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Comparison of Selected Deposit Products for Legal Entities
Hýblová, Petra ; Měřínský, Pavel (referee) ; Rejnuš, Oldřich (advisor)
This thesis is focuses on the comparison and selection of the most appropriate term deposits for the company REALITY K, s.r.o. of bank and non-bank savings institutions operating on the czech market. The analysis and subsequent comparison of selected term deposit is made on the basis of the ranking method and subsequently using the scoring. From results of the analysis and the comparison are then selected and recommended the best combination term deposits for the management of the company.
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The legal and economic aspects of the supervision of the credit union sector in the Czech Republic by the Czech National Bank
Valenta, Pavel ; Seknička, Pavel (advisor) ; Dupáková, Lenka (referee)
This thesis focuses on the legal and economic aspects of the supervision of the credit union sector in the Czech Republic by the Czech National Bank (CNB). The central point of interest is the case study of the credit union WPB Capital, which in 2014 had its operating licence revoked for illegal operations, namely the acquisition of prohibited securities and the provision of financial assistance to acquire additional member deposits, contrary to the CNB's interpretation. The work is based on the author's involvement in the case and uses authentic documents from the administrative proceedings and judicial review, as well as other relevant materials. The first part is devoted to the theoretical background of the financial market and credit unions. This is followed by an analysis of CNB supervision and a historical overview of the development of credit unions in the Czech Republic. The legal framework and instruments are then discussed in the context of the WPB Capital case study. The aim of the paper is to assess the compliance of the activities of the examined entity with the law and European legislation and to evaluate the justification of the CNB's action. The thesis emphasises theoretical analysis and practical applications, including comparison with other credit unions and current case law....
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Credit unions in Telč 1867-1914
HAVLÍK, Vladimír
The diploma thesis deals with civic credit unions in Telč between the years 1867 and 1914. It outlines briefly the historical development of credit unions in the Czech lands, which is supplemented by a description of the legal standards that regulated establishment and administration of credit unions during the period of our interest. Then follows the characteristics of the city Telč in terms of administrative integration, population, education, culture and economy. The key chapters are devoted individually to civic credit unions in Telč, namely Vzájemná záložna (Mutual Credit Union), Úvěrní jednota pro hospodářství, obchod a průmysl (Credit Unity for Economy, Trade and Industry) and Spořitelní ústav (Savings Institute). There are presented historical development, membership bases, financial and public benefit activities of the mentioned financial institutions. The list of sources and bibliography, the list of abbreviations and appendices, which contain mainly nominal lists of members directorates and committees of Telč credit unions, are an integral part of the thesis.
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Comparison of Selected Deposit Products for Legal Entities
Hýblová, Petra ; Měřínský, Pavel (referee) ; Rejnuš, Oldřich (advisor)
This thesis is focuses on the comparison and selection of the most appropriate term deposits for the company REALITY K, s.r.o. of bank and non-bank savings institutions operating on the czech market. The analysis and subsequent comparison of selected term deposit is made on the basis of the ranking method and subsequently using the scoring. From results of the analysis and the comparison are then selected and recommended the best combination term deposits for the management of the company.
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Analysis of the current financial state of czech credit unions
Prokeš, Jan ; Pfeifer, Lukáš (advisor) ; Štěpánek, Pavel (referee)
This thesis analyzes the current problems of the credit union sector . At first describes the historical development of unions and further developments in the sector at the turn of the millennium. The greatest emphasis is placed on presenting the main trends in the development of cooperative banking in the Czech Republic from 2005 to the present. Solve the main problems of the sector -- excessive growth of balance sheets unions and their ever increasing risk and the disproportionate effect of the Deposit Insurance Fund -- is responsible for the amendment of the Act No. 87/ 1995 on Credit Unions , which sets the upper limit size increase savings and credit unions share of the contribution to the deposit Insurance Fund and the creation of reserves to fund the venture. The amendment, which is based on the recommendations of the FSAP mission of the International Monetary Fund , is evaluated in the main part of the work . Rating legislative changes is positive , as in the Czech Republic it is necessary to reduce the risk sector unions and unions to regulate the way to the most congruent with the principles of unions by the World Council of Credit Unions ( WOCCU )
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Ethical banking
Prekopová, Dominika ; Blahová, Naděžda (advisor) ; Marková, Jana (referee)
Thesis is concerned with ethical banking -- as an alternative to conventional banks. First part of the thesis deals with ethics in banking in general, next parts are focused on the essential characteristics of ethical banking and characterization and analysis of two ethical banks. In the final part, thesis discusses the possibility of establishing ethical banking in the Czech Republic, discusses the barriers that exist in the Czech Republic and the possibilities for the future development of this alternative banking in the country.
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Credit unions in the Czech Republic and their importance in the context of loan products
Sýkorová, Martina ; Radová, Jarmila (advisor) ; Matejašák, Milan (referee)
The thesis is focused on the analysis of credit products offered by the credit unions in the context of Czech retail banking. The objective of the thesis is to compare the terms of specifi c loan products of banks and credit unions. The first part is devoted to the history of credit unions in the Czech Republic since the late 20th century. Then it discusses the various types of products off ered by these institutions. The last part is trying to assess the specifi c terms of the credit products off ered by selected credit unions and banks.
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Credit Unions as an Element of the Modern Czech Financial System
Hrádelová, Jana ; Půlpánová, Stanislava (advisor) ; Radová, Jarmila (referee)
Credit unions, original pioneer of self-help financing idea, have become one of the functional components of modern financial sector. During their development, they went through many changes due to the political and economical conditions in Czech Republic. Among others, credit unions have also experienced period of bankruptcies and loss of public trust. However they managed to maintain their unique position as well as the features and for that they deserve our interest. The thesis focuses on the circumstances that affected the credit union sector development. The practical part addresses Fio -- the former credit union. Financial analysis and the process of Fio's transformation from the credit union to the bank is described.
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Financial analysis of the credit union
Šišková, Kateřina ; Míková, Marie (advisor) ; Sonták, Miloš (referee)
The aim of the diploma thesis is a financial analysis of the credit union. The main aim of the thesis is to show how credit unions are working in the Czech Republic, and to apply a financial analysis of the selected credit union. The thesis is divided into four chapters. The first chapter describes a financial analysis in general, its resources, users and methods. The second charter deals with legislation of credit unions, their operation on the Czech market and supervisory duties of the Central Bank. Accounting and statements of credit unions are discussed in the third chapter. The final fourth charter deals with practical analysis of selected savings cooperatives.
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