|
|
Analysis and comparison of business loans for startups or small businesses on the Czech market
VLACH, Daniel
The range of business loans on the Czech market is wide and the entire process can be confusing. Therefore, selecting the right loan is often difficult and can radically determine the success or downfall of the business. Theoretical part of this bachelor's thesis contains fundamental information about loans, types of loans and the process of getting a loan. The main differences between business loan and consumer credit loan are also described. Finally, there are statistics about business loans and business entities. The objective of this bachelor thesis is to find the most suitable business loan for two model situations. The information about the interest rates and other conditions is provided either by employees of chosen banks, non-banking institutions or via internet sources. The banks are mainly chosen according to their offers for startups and small businesses. Each model situation has various aspects. The most suitable option is chosen by comparing the offered loans for each model situation.
|
|
| |
|
|
Bank fee and commission income - its determinants and impact on bank's profitability and risk
Vozková, Karolína ; Tůma, Zdeněk (advisor) ; Tripe, David (referee) ; Výrost, Tomáš (referee) ; Mejstřík, Michal (referee)
This thesis consists of five essays dealing with the fee and commission income in European banks from the macro, sector and bank level perspectives. This topic is of high relevance since fee income represents the largest part of the non-interest income of EU banks. The first part of the thesis deals with banks in general terms, while the second part is focused solely on cooperative banks, which represent approximately 20% of the EU banking sector. We compare the magnitude of the bank fee income across EU countries and study its determinants and impacts on banks' performance. The first essay compares the magnitude of the fee income across EU countries with a special emphasis on the Czech Republic from a macroeconomic perspective. First, we conclude that Czech banks are not abnormally dependent on fee income and their outstanding performance can be attributed to sound risk management, high liquidity and sufficient capital buffers rather than to excessive fees. Second, our evidence suggests that the share of fee income had an increasing trend in EU countries in recent years, which might be connected to the effort to maintain sufficient profitability in the low interest rates environment. We also discuss how new entrants, the so called low-cost banks, changed the banking sector in the Czech Republic....
|
|
|
Role bankovních poplatků v hospodaření bank
Hrbáček, Filip
Hrbacek, F. The role of bank charges in bank economy. Bachelor thesis. Brno: Mendel University in Brno, 2016. This bachelor thesis issue with charges policy of domestic and foreign bank from the same banking group. As first assess the charges policy of the Czech republic, then the share of selected domestic bank in total income from fees and commis-sions of the Czech banking sector. Next part of the bachelor thesis deals with the comparison of banks charges selected bank within the same banking group. Value of fees is listed both in absolute expression and relative expression in dependence on the average gross wage of the country. The results from comparison are discussed and made a draft recommendation against high charges of domestic banks.
|
|
|
Podmínky běžných účtů v České a Slovenské republice
Zůbková, Kateřina
The bachelor thesis focuses on current accounts offered by selected commercial banks in the Czech Republic and the Slovak Republic. The goal of the thesis is evaluating conditions for management of these accounts, determining the best accounts for the Czech and the Slovakian client and checking, if membership in the eurozone can have an impact on these conditions. The main finding of this thesis is that the selected Slovakian banks have more expensive current accounts for their clients than the selected Czech banks and it is also checked that the membership in the eurozone has an impact on these conditions. It is due to the fact that this membership brings SEPA payments to Slovakian clients for the same fees as with domestic payments.
|
|
|
Fee Policy of Czech Bank
BOUBALOVÁ, Tereza
The bachelor thesis focuses on the comparison of bank fees policy in the Czech Republic, especially in terms of fee income. There are numbers of banking companies on the Czech market that offer many services to their clients and determine many fees. The thesis is devoted to the historical development of banking and the structure of the Czech banking system. It also focuses on monetary policy, which, through some instruments, creates measures in the form of fees and other regulations. Bachelor thesis also deals with banking sector and its regulation within czech market as well. This work is based on analysis and comparison of fee income and interest income, which make up the operating profit of banks and also deals with analysis number of clients. The result is to evaluate the impact of bank fees on the Czech market and of clients.
|
|
|
Analysis of bank charges
Ozimy, Matej ; Radová, Jarmila (advisor) ; Fleischmann, Luboš (referee)
This bachelor thesis deals with the analysis of bank charges of current and student accounts in specific banks in the Czech Republic for the year 2017. The first part of my paper deals with the inception and development of bank charges in the Czech Republic. I have also conducted a brief categorization of bank charges into individual segments, linking them either to a particular service or product, specifying their rates, which indicate the market developments. The main objective of my thesis was to find the most suitable bank in terms of bank charges (client expenses associated with account management and other services) and also in terms of the return on current accounts (ie. savings accounts) and student bank accounts to identify the best client account.
|
|
|
Analysis of bank charges and their financing alternatives
Dušková, Markéta ; Bártová, Hana (advisor) ; Jablonský, Petr (referee)
This bachelor thesis deals with the analysis of bank charges associated with the current account. The aim of the thesis is to find the best current account for students by using two model clients for selected accounts. Another objective is to analyze the possibilities of covering the costs incurred with the use of a current account by means of financial rewards provided by some banks in the current account and by other bank products. The partial objective of the thesis is to verify the hypothesis whether small low-cost banks offer a current account associated with lower bank charges than large banks.
|
|
|
Comparison of bank charges in Czech and Slovak banking system
Ráczová, Simona ; Dvořák, Petr (advisor) ; Hoffman, Andrej (referee)
This bachelor thesis examines the differences in banking fees in Slovakia and the Czech Republic. The aim is to find out differences in the amount of fees charged in Euros in Slovakia or in Czech Crowns in Czech Republic. The paper analyzes certain selected fees that occur on both bank markets. Firstly, relevant details of the functioning of the banking sector in both countries are defined. Secondly, it describes how and why the fees have been incurred, as well as their defined terms. Further, there are described different charges, the reasons for their existence and their use. Finally, bank charges are analyzed using spreadsheets and compared after a calculated exchange rate.
|
|
|
Bank fees in Czech Republic
Burešová, Adéla ; Steininger, Michal (advisor) ; Eva, Eva (referee)
This thesis deals with bank fees in the Czech Republic, which has been a topical issue in recent years. The objective of this thesis is to analyse and compare bank fees in the Czech Republic. It also aims to evaluate selected bank fees in terms of their importance for generating profit for the banks as well as from the clients perspective. The introduction to the theoretical part describes the basic characteristics of the banking system. The thesis then presents bank products and services, bank fees and the bank fee policy. The work includes a survey and analysis of the banking market in term of banking institutions in the years 2007 to 2014. It also includes a financial analysis for the years 2007 to 2015 and an analysis of the banking market from the perspective of the client, which compares selected banking institutions on the basis of charges and selected banking products based on fees. It defines three sample groups for which the most suitable banking products and banking institutions are recommended. In conclusion, the results are formulated together with recommendations for banks and clients. For the client Student came out best a current account UniCredit Bank, U Konto for youngsters. The Active client is also recommended by UniCredit Bank with banking product of U Konto. For target group Pensioner is the most suitable banking institution mBank where the monthly cost is CZK 70. The client can save thousands of CZK per year by making the right choice.
|
guest ::
