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This thesis describes monetary policy and the use of its instruments in the modern economy. Monetary policy is a set of tools used by a nation's central bank to control the overall money supply and promote economic growth and employ strategies. The tools used and described in this thesis are for example, open market operations, discount rate and reserve requirements. These tools are used as a solution to random events that happen in a nation's economy. All these events are contained in a script which describes and suggests correct economic instruments to use. The main objective of this thesis is implementing the script into a diagram. The diagram also contains various choices and options to resolve events contained in this diagram. For example, rising inflation is dealt with by increasing interest rates. The output of the thesis will help banks to resolve various economic events and can also be used as a tool to educate students in economy oriented schools.

Post-crisis banking regulation development in the EU Abstract (EN) After the Global Financial Crisis and the subsequent European sovereign debt crisis, there was a clear need for changes in the EU regulatory framework. Insufficient regulation was identified as one of the main reasons why the crisis led to such far-reaching negative consequences in the financial system. This work aims to analyse the developments in the financial regulation in the EU banking system following the aforementioned crisis. It starts by outlining the banking regulation in place before the Global Financial Crisis, follows with the description of the crisis itself and the reasons behind it, and, finally, examines in detail the changes in the regulatory framework that were implemented in the EU in order to prevent the same scenario from happening in the future. This thesis presents the most significant regulatory changes that have occurred, such as the European System of Financial Supervision, implementation of Basel III in the EU through the Capital Requirements Directive and the Capital Requirements Regulation, creation of the Banking Union and the Deposit Guarantee Schemes Directive. It further analyses the reasons for the implementation of the aforementioned changes to the regulation, and, ultimately, tries to assess whether the...

This thesis examines the innovation-growth view and innovation-fragility view on the impacts of financial innovation on banking performances in 22 European countries. It focuses on three aspects of analysis: the relationship between financial innovation and bank growth, the relationship between financial innovation and bank stability, and the relationship between financial innovation and banking performance reduction during the COVID-19 pandemic. The panel data sample consists of 4479 active banks in 22 European Union countries from 2008 to 2020. This paper uses the fixed effects model. The paper finds that financial innovation contributes to both bank asset growth rate and bank loan growth rate. Banks with lower market shares, higher loan to asset ratios, and higher tier 1 capital ratios have faster asset growth rates compared to others. Financial R&D intensity value added leads to both lower bank z-score and lower log bank z-score, while the ratio of off-balance sheet items to total assets leads to a higher log bank z-score. There is also evidence for cross-country variation. During the COVID-19 pandemic, off-balance sheet items divided by total assets negatively impacts the change in ROA for banks between 2018 and 2020, which supports the innovation-fragility view.

1 Abstract In the negotiation period of Brexit in the years 2016-2019, banks in the UK had to plan their activity based on the expectation of whether they would have passporting rights in the future or not. The referendum's consequences may foreshadow what the actual Brexit will entail. This master thesis investigates the impact of the Brexit referendum in 2016 on the banking activity of the 45 largest European banks during the negotiation period. I use gravity analysis for inter-country transactions, and a brand-new "Synthetic Difference in Differences", together with Synthetic Control and standard Difference in Differences, for intra-country transactions. Although all of these methods were used in the literature in the context of the Brexit referendum, the Country-by-Country Reporting (CbCR) dataset that I use has not yet been used in such a context. I use turnover reported in CbCR by European banks as a proxy for banking activity in the years 2013-2019 and, thus, have four pre-treatment years (i.e., 2013-2016) and three post- treatment years (i.e., 2017-2019). Using the gravity model, I discovered empirical evidence that banks reported lower turnover since the Brexit referendum in their partner countries by between 14.5% and 44.6% relative to their domestic country. Yet, banks that have British...

The principal objective of this thesis is to describe and analyze the marketing activities of provided services and products of banking institutions abroad and the Czech republic. The thesis focuses on selected banking institutions from the Czech republic - Komerční banka, a.s. and Československá obchodní banka, a.s. Erste Bank was selected as the representative from the Austrian banking market. The thesis is based on data obtained from annual reports and websites. Additional data were obtained from interviews with representatives of bank institutions. The thesis contain a theoretical part bases describing the definition of marketing, what is marketing communication a what new trends in marketing communication are used. The thesis also deals with the comparison of marketing communications of selected banks. Then there is a multicriteria analysis. The analysis focused on the scoring method of websites and subsequently on the scoring of banks Instagram pages. Subsequently, the results of the analysis, including recommendations, are evaluated. The recommendations could streamline marketing communication in the Czech banking market.

Personal data processing in banking sector within the context of banking secrecy Abstract Banking secrecy is a concept which has been intertwined with the provision of banking services since the very beginnings of this industry. Even though it is a universally known concept, its legal definition, including piercings of banking secrecy, is not comprehensive. In recent years, its form and the possibilities of piercing it have been evolving considerably due to often conflicting modern legislative trends (emphasis on consumer protection, emphasis on data processing transparency, support of client mobility in the banking sector, support of innovative financial services, sharing of data for crime prevention incl. terrorism, money laundering and tax evasion). The goal of this thesis is to present banking secrecy in a complex manner including the categories and the respective individual concrete piercings within the context of data processing legislation, including laying out interpretation problems from practice and proposing concrete solutions. Further, the thesis, where suitable, the thesis also includes proposals de lege ferenda. The thesis begins with an introduction to the subject matter and is further divided into four chapters, which are followed by a conclusion that sums up the partial conclusions made...

This diploma thesis deals with the Generation Y consumer behavior in the banking industry. The aim of this thesis is to find out the key factors influencing consumer decision-making during selection banks by analyzing their decision-making process and prepare recommendations for banks operating in the Czech Republic. The theoretical part of this thesis focuses on consumer behavior, factors influencing this behavior, broader generational classification and more detailed characteristics of Generation Y. The practical part contains the evaluation results of the quantitative research and recommendations for banks operating in the Czech Republic. The proposals relate to reducing bank charges, improving interpersonal communication and investing in artificial intelligence.

This diploma thesis deals with the new classification and measurement of financial instruments and quantifying the impacts on banking organizations after application of new standard IFRS 9. Since IFRS 9 superseded IAS 39, therefore this thesis makes a research and analysis on the financial reporting mechanism used before and after introduction of IFRS 9. Theoretical part of the thesis explains classification and measurement of IFRS 9, a qualitative comparison between IAS 39 and IFRS 9 and the different impacts on organizations by application of new standard. The practical part quantifies those impacts by analyzing financial statements and reports that may influence effectiveness, control and revenue for the 3 banking organizations from Czech Republic in their financial instrument reporting.

This dissertation consists of three research papers dealing with selected issues relevant for central banks after the global financial crisis. The post-crisis world has seen a significant strengthening of the role of central banks with regard to the financial system as well as the real economy. Correspondingly, agendas of some central bankers have grown substantially, encompassing among others monetary policy, financial stability (macro- and microprudential policies) as well as resolution mechanisms. This dissertation thesis reflects the broad focus of some contemporary central banks in three original research articles that concern current unexplored issues for monetary policy and financial stability in the European Union, the Czech Republic, and the United States, potentially bringing policy implications for the relevant authorities. The first article analyzes inflation convergence in the whole European Union (EU) over 1999-2017 and provides comprehensive and robust evidence that the process of inflation convergence among the countries of the EU was not permanently disrupted during the global financial crisis, the European sovereign debt crisis, or the period of zero lower bound interest rates. Specifically, the convergence process did not noticeably weaken after the crisis and the occurrence of...

The thesis examines the relation of the low-interest rate environment to the banks' selected credit risk measures with a panel dataset on banks in Eurozone, Denmark, Japan, Sweden, and Switzerland covering the period 2011-2017. It employs a system GMM framework and a combination of bank-related and macroeconomic variables. This study builds on recent literature on effects of low-interest rates on banks' profitability and estimates the following three hypotheses: The potential effects of the low-interest rate on non-performing loans (NPL) ratio, risk-weighted assets (RWA) to total assets ratio, and changes in Tier 1 capital ratio. There are three main results: Firstly, the results suggest that a prolonged period of negative monetary interest rate can affect the NPL ratio and reveal a possible relationship between the 3M-interbank interest rate and NPL ratio. Thus, the thesis does not reject the first hypotheses. However, it rejects these hypotheses in case of the other two ratios. Secondly, the study finds a bank heterogeneity to be a significant determinant of the credit risk. Finally, using recent data, this thesis contributes to the literature focusing on the drivers of the NPL ratio, RWA to total assets ratio and Tier 1 capital ratio, where in case of the latter two the existing research is...

Recently financial sector and its responsibilities have come under great scrutiny. This has led to putting more emphasis on social responsibility of financial institutions, primarily banks, due to their powerful and influential position. Banks have an impact not only on financial and economic system, but on a wider community as well. Their socially responsible practices in particular may have important social implications, what is even more emphasized within bank-centric financial systems, typical of CEE countries. Due to a lack of existing research, the aim of the paper is to assess social responsibility of banks at individual and industry level in a specific CEE context. At bank individual level, focus is put on factors of bank size, ownership status and financial performance, while at the bank industry level the structure of granted loans is included in the analysis. The framework for assessing bank social responsibility is derived and adapted from previous research conducted by Cuesta-Gonzalez et al. (2006) and Scholtens (2009). It is applied to Croatian banking sector, while the level of social responsibility is empirically related to factors at bank individual and industry level. Research findings offer an overview of social responsibility of Croatian banks. The results demonstrate that bank social responsibility is related to factors of bank size and ownership status at the individual level, and to the structure of granted loans at the industry level. However, the nature of the link between bank social and financial performance did not prove significant. Such findings offer a wider lesson of what factors are associated with social performance of financial sector. Additionally, they may serve as a useful reference point for further investigation of socially responsible practices in Croatia and other CEE countries.

The diploma thesis deals with architecture of financial institutions in Prague - banks, savings banks and insurance companies - from the middle of the 19th century (when the first representative headquarters of financial institution in Prague was built) to 1939. The research of the thesis is focused on territory of Prague New Town, which is included in town area of Prague 1, where the highest concentration of these financial buildings was in whole research period. The diploma thesis will register and interpret individual headquarters of financial institution in Prague in historical, economic and political context within the Czech lands and the Habsburg monarchy, then also within the Czechoslovak Republic; and in the context of urban and wider architectural development in Prague and Europe too. Key words: Architecture, urbanism, banks, savings banks, insurance companies, 19th and 20th century, Prague, Bohemia, Czechoslovakia, historic style, Art Nouveau, cubism, neo-classicism, functionalism.

Diploma thesis focuses on liquidity risk management of commercial banks in the Czech banking market in 2002-2015. This main goal is achieved through a comprehensive analysis within a framework that uses several different methods. A theoretical framework for bank liquidity management is drawn up for a theoretical evaluation, summary of the current literature and a summary of the regulatory framework including the newly introduced Basel III requirements and indicators is put together. The research part is focused on assessing the development and current state of liquidity of Czech banks by analyzing of liquidity ratios and regression analysis of panel data. The level of liquidity and the size of the liquid pillow is judged to be sufficient and stable from the results of the individual analyses. The net position of Czech banks on the interbank market on an international scale also reflects a good level of liquidity. The major determinants of Czech bank liquidity in the period under review were mainly capital adequacy, bank size, loan portfolio quality, growth rate of GDP and interest rates.

The diploma thesis deals with stress testing as a specific tool which is used by European Banking Association for banking sector financial stability assessment. The main aim is to provide reader with analysis of EBA stress testing. Both the EBA methodology and 2016 results are analyzed in second part. Due to high costs spend on stress testing process I consider practical usage from the bank point of view as very important. This issue is discussed in fourth part of this thesis.

This article aims to evaluate the impact of the development of different types of loans in the banking sector on economic development. We will begin with the hypothesis that economic performance increases with the growth of the rate of various types of loans. We will fi rst look at research of current scientifi c knowledge in respect to bank loans and economic development. The basic idea of this article is the hypothesis described above, determined on the basis of standard economic fi ndings and based on the results of a majority of related studies. The development of loans provided can be quantifi ed based on data from the Czech National Bank as total loans and divided into loans to non-fi nancial companies and households, as well as mortgage loans and consumer loans. The development of the economy can also be quantifi ed using data from the Czech Statistical Offi ce on the development of the gross domestic product. The period selected is the years 2004-2015. To determine the relationships between selected variables, we have used statistical methods that respect the specifi c characteristics of the selected time series, namely the Engle-Granger causality test. Prior to testing, it was necessary to adjust the data as stationary and then test cointegration. An optimum order delay was also determined using the Akaike information criterion. The calculated results, except for consumer loans, confi rm the hypothesis regarding the positive impact of the rate of loans provided on economic growth, particularly with a six-month time lag. We have obtained results that correspond to standard economic knowledge and results of most previous studies.

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.

The objective of this thesis is to provide new insights into determinants of firm access to finance, and the role of the European Central Bank's (ECB) monetary policy. Not only do we describe and analyze the determinants of access to finance, but we focus on the theory of financial intermediation, as well. The key part analyses European Commission (EC)/ECB survey data for 16 euro area economies from 11 survey waves in the period from 2009 to 2014. We build our model using traditional firm-level variables such as firm size and age as well as a novel measure of the ECB's monetary policy stance - the shadow rate. We hypothesize that smaller and younger firms with decreased profitability over the past 6 months and increased leverage over the same period are more likely to report problems with access to finance. Our results are intuitively consistent with theoretical expectations and also show that the looser the monetary policy of the ECB is, the lower the composite financing gap indicator. Interestingly, we do not confirm the existence of risk taking channel of the monetary policy. Overall, we make use of the most recent survey data, extend the dataset, and use modified methodology for our estimation.

New liquidity rules introduced under the Basel III framework define the Net Stable Funding Ratio (NSFR) that requires banks to possess an adequate long-term liquidity. The NSFR will enter into force on January 1, 2018 and banks are concerned that this regulation will lower their profitability. In this thesis the Basel III liquidity rules are analysed. The research seeks to define characteristics and triggers of the NSFR, using a sample of 500 EU banks. We find that smaller banks (by asset size) are more likely to fulfil the NSFR requirements, so are the banks with higher non-interest share of income and lower capital ratio, among other characteristics. Further, the NSFR's impact on the banks' performance is assessed. It is found that a higher NSFR negatively impacts the return on average equity, although it does not seem to translate into lower returns on average assets nor net interest margin. JEL Classification E58, G21, G28, G32 Keywords NSFR, Basel III, liquidity, banks, EU, profitability, capital rules, regulation Author's e-mail 45724231@fsv.cuni.cz Supervisor's e-mail boril.sopov@gmail.com

The thesis deals with the analysis of mortgage products, their supply on the market and their development in the Czech Republic. In the introduction the mortgage loan is defined and legally defined. In the second chapter describes how mortgage loans are divided and what the current situation on the market of these products. Another section is devoted to mortgage bonds as a security that is closely related mortgage loans. In conclusion, the author decided to look for a mortgage with a macroeconomic perspective. Work includes several tables and graphs, on which issues more clearly described. The annex contains an application for a mortgage loan, announcement of Wüstenrot hypoteční banka a. s. about the issue of mortgage bonds and the method of calculating tested hypotheses.

The aim of this thesis is to valuate Česká Spořitelna. The first part is dedicated to a theoretical part which describes how to valuate bank. Second part contains financial analysis, strategic analysis, financial plan and valuation of Česká Spořitelna by two methods.

The importance of the banking sector keeps growing in the modern world, and the marketing communication of banks intensifies as competition heightens. The diploma thesis covers not only the analysis of communication tools of banks, evaluation and comparison of the effectivity of their communication, but also segmentation and targeting of consumers of banking products in the Czech Republic. Conducting segmentation helps to understand consumers better, choose suitable target segments and to create tailored communication. At the end of the thesis, the communication of banks is evaluated in relation to the created segments, and recommendations are made about targeting the segments. All analyses in the thesis are based on real data.

This Master's thesis is primarily focused on the analysis of mass media communication on the market of mortgage loans in the period between 2010 and 2015. In the theoretical part research was done summarising existing knowledge about the development of the Czech mortgage market and mass media market in the mentioned period. In the second part focus is shifted to the methodology of the research, in particular to the data-mining method CRISP-DM. Described here are tools of descriptive statistics, that were used in the research, and also methods of regress, correlation and cluster analysis are explained. The empirical part of the thesis looks into the trends in mass media communication of mortgage loans, trying to expose relevant influences and identify reciprocal connections between mass media communication of the mortgage lenders, their financial strength and their duration of existence. In the conclusion the results of the analysis are summarised and recommendations are drawn for their implementation in practice.

Is there any link between hierarchy of transnational corporations, banks and research and development institutions? Abstract The world city theory focuses on concentration of the most progressive activities of the social-economic system in a few key cities that together have a major share of command and control power within the global economy. Location advantages of such cities attract TNC headquarters, financial services and R&D facilities. Interactions between them lead to further strengthening of the position of the global city and it brings a cumulative effect on the location advantages. This paper examines the global city hierarchy based on the data on 1 500 world's biggest companies headquarters location, as well as location of 1 500 most important R&D institutions and 200 biggest banks. According to the results the triad of New York, London and Tokyo was taken over by Beijing. Correlation analysis of the city rankings in all of the three hierarchies confirms significant geographical link between global arrangement of TNC headquarters, financial services and R&D institutions. Keywords: global city, TNCs, banks, RIS, research and development, geographical organization

Investment banking is an important constituent of the financial market. As financial institutions, banks have an irreplaceable part in the functioning of the world's economies. Together with fiscal documents and financial markets they constitute the fundaments of the financial system. The financial market is a complicated system of interconnected relations of particular segments of the market, and investment banking is one such part. Its existence makes it possible to shift the savings of financial resources from saving subjects to ones in deficit by means of mediatory activities, which is performed with the help of various kinds of financial instruments, which are called investment instruments. The mediatory function of investment banking is a basic feature which makes a distinction between investment and commercial banking. Investment banks are main mediators that place released resources (savings) into the stock market. As is well known from the inherent laws of economy, the role of investments is crucial for a healthy circulation and functioning of the state economy. Without them the steady economic growth would be impossible. Due to these reasons I decided to analyse investment banking: its development and economic context, as well as the legal basis of these institutions and their activities...

This thesis deals with the financial analysis of the Evropsko-ruská banka, a. s. The first part of the thesis presents the existing theoretical knowledge of banks' financial analysis. The second part focuses on the application of the theoretical knowledge on the selected bank. The application is based on the implementation of horizontal and vertical analysis of the basic financial statements and calculating financial ratios. For better interpretation of performed financial analysis the activity of Evropsko-ruská banka, a. s. is compared with the one of banking sector.

This thesis provides the empirical analysis of the second Basel regulatory framework implementation in Czech banks together with the economic performance inspection of the Czech banking sector. With Basel II, banks face the possibility to implement internal models to calculate capital adequacy related to bank's risk exposure. This possibility opens a discussion of its economic effect, transparency and potential misuse of the internal models. The empirical part of this thesis examines how the profitability and the reported riskiness change with internal models implementation. Furthermore, the role of cost efficiency to bank's profitability and risk adequacy ratio is evaluated. The panel data analysis of all Czech banks over a period 2006 to 2012 demonstrates that internal models for capital adequacy calculation increase bank's profitability together with a decrease of the reported riskiness measured by risk weighted assets. Moreover, the cost efficiency has proven to be a significant indicator of both profitability and capital adequacy ratio.

Main aim of thesis is to show how Structural Funds of the European Union can help to improve the environment in the Czech Republic. The first part explains basic terms and connection between public administration and the European funds. I present here an overview of European funds, too. One chapter also describes the process of obtaining subsidy. I also shortly mention about the future programming period 2014 - 2020. The second part of my thesis consist projects co-financed by the EU funds. These projects are focused on improving the quality of public administration at national, but also local level. I bring an overview of how easily people can communicate through implemented measures with the offices, too. I append also the current problems that the Czech Republic in connection with the use of subsidies from European funds solves and what the future may have an impact. Support from EU funds and banks are important for the sustainable development of municipalities. I present this work as a basic for studying the possibility of improving the quality of public administration in the Czech Republic.

Výroční zpráva obsahuje úvodní slovo guvernéra ČNB, kapitoly o řízení a oraganizaci ČNB, cílech a úkolech ČNB a jejich plnění, dále kapitoly ČNB a veřejnost, ČNB a její lidé, hospodaření ČNB a poskytování informací podle zákona 106/1999 Sb., o svobodném přístupu k informacím.

There is an ongoing debate whether the impact of competition on bank soundness is positive or negative. Traditionally, it was assumed that there is a trade-off between competition and bank soundness. On the other hand, some recent studies suggest that competition has a positive effect on bank soundness. In this thesis, we will focus on the concept of efficiency as a possible link between competition and bank soundness. Firstly, we will summarize different approaches to measure competition, efficiency and soundness in banking sector. Subsequently, we will focus on hypotheses formulated to describe the link between competition in financial sector and bank soundness, between efficiency and bank soundness and between bank competition and efficiency. The empirical part, we will examine whether there is a link between competition and soundness via efficiency channel. Our analysis is based on dataset contains commercial banks from Visegrad group during period 2008 - 2012. We will exploit the Boone indicator as a measure of competition, the SFA approach to obtain efficiency score and soundness will be derived from z-score. The empirical evidence confirmed the positive link between competition and bank soundness via efficiency channel.

The aim of my bachelor thesis: "The analysis of debit cards" is to assess debit cards that are offered by six Czech banks and to choose the best debit card. The first part is about cards in general, about their pros and cons and also about their diversification. In the second part there is a history of cards and also a history of debit cards in the Czech Republic. The third part is the analysis of debit cards in the Czech market. In the last part there is an assessment of the most beneficial debit card. In my work the methods of analysis and comparison have been used.

Introduction of new regulatory framework as well as its possible impacts.

The bacholer thesis focuses on the topic of "Mergers and acqusitions of banks". Mergers and acquisitions are one of the factors of the changing in the banking sector. The aim of this thesis is to analyze causes, which led to the mergers and acquisitions, and to evaluate specific consequences, which merger brought. In addition, the bacherlor thesis is focused on the proces of merger and acquisition. The thesis will sum up the causes and consequences of particular merger.

Current Legal Issues of Bank Regulation - Resume This thesis paper deals with issues that can be found in relation with bank regulation. At present, globalized world, banks as important financial intermediaries play a major role. Banks are present in our daily lives and whether or not we want to, they facilitate our everyday operations with the money, investment of free monetary resources, and also borrowing of money. We got accustomed to the convenience that the use of various banking services provides. Equally important are the services of banks for businesses enterprises, various investment companies and funds, and also the countries themselves (the governments). Failure of this system, now that so many subjects are dependent on it, could have far-reaching negative consequences. The bank regulation and its instruments serve as a protection against the rise of adverse consequences. With the growing importance of banks in our society, the importance of their regulation grows as well. But even this may not represent perfect protection and bank regulation may conceal other unforeseen problems. This thesis on "Current legal issues of bank regulation" reflects the legal status of May 31 2012 and is trying to highlight the problems that occur in specific instruments of banking regulation. The aim of this work...

The subject of this thesis is an analysis of causes and impacts of credit risk transfer through credit derivatives on the world economy. It deals with the theoretical view of credit derivatives and their definition. A significant part of the work is devoted to a description of the current credit derivatives market and to motives for trading them. In the continuous process of derivative products innovation selected types are described. Those types that were spread during last two decades. In another part are introduced credit derivatives market participants and special attention is given to the banking sector. Important part is the description of an economic situation in countries in crisis. The aim of this work is to give a complete description of all sectors that were influenced by credit derivatives market.

Financial results of the three biggest Czech banks are examined in detail in this work. The banks are namely Československá obchodní banka, Česká spořitelna a Komerční banka. In my work, separately vertical and horizontal analysis of benefits and costs is made. One chapter is devoted to comparing indicators of profitability between the monitored banks and the banking sector in the Czech Republic. The purpose of the work is to demonstrate whether the structure of costs and benefits of individual banks is similar (premise is that yes).

The goal of this Bachelor's Thesis is to characterize particular marketing communication tools that are accessible to the banks in order to effectively address the market segment of university students. Analyses in my thesis are based on MML-TGI research and also on my own survey. Based on these analyses there were gain information about bank services which students use, about criteria's that are important for students, bank institutions that are mainly used and banks that are recognized as students-friendly. Then, the main characteristics from the advertising campaigns that students recall were pointed out. Based on all these information in the ending of my Thesis I formulate some advices and possible directions of marketing communication towards the market segment of university students.

The goals of this bachelor thesis are to find a connection between granted credits by supranational banks in dependence on economic development in the bank's native country, if possible to identify events with influence on the bank's behavior and to evaluate known macroeconomic relations on available data and attempt to explain occurring discrepancies. A mathematical model has been created in order to describe the observed dependence.

This thesis focuses on the problem of banking sector in the Czech Republic. The aim is to determine, whether the Czech banking sector is stable and healthy. The analysis is performed on the example of three largest banks since their privatization until now. In my work, I found out how banks due to adjusting from toxic assets and subsequent sale to foreign investors became successful companies, that withstand the financial crisis in the years 2007 - 2009, and every year can generate relatively high profit. Decomposition on the individual components are identified as the main sources of profit and also the main risks. The analysis shows, that the most hazardous component of the revenue comes from trading by banks. These banks in the recent years considerably decreased profitability. For the banks come the main profits from interest income. These in the recent years considerably decreased profitability. For the banks comes the main profit from interest income. Banks concentrate more on traditional banking products and thus do not fall into problems as many other banks abroad. The work confirmed all three hypotheses and thus was fulfilled the assumption that Czech banks are stable and healthy.

Výzkumná monografie, zakládající se na původním archivním výzkumu, si klade za cíl vytvořit ucelený obraz a přehledný vývoj cukrovarnictví v českých zemích od jejich počátků do konce první republiky (1938), přičemž se specializuje na představení této podoby na Moravě a ve Slezsku. Práce je rozdělena do dvou základních kapitol. První se zabývá obdobím od konce 20. let 19. století do konce první světové války (1918). Byla to léta hledání, pokusů, prvních úspěchů, ale i mnoha ekonomických a technologických propadů. První provozy byly vesměs malé a měly manufakturní charakter, byly zakládány příslušníky šlechtických velkostatků. Postupně mezi ně pronikali zástupci měšťanských a obchodních či finančních vrstev. Od konce 60. let vznikaly i rolnické cukrovary. Postupně se stávalo cukrovarnictví v českých zemích i významným vývozním artiklem. Začalo propojování cukrovarnictví na finanční kruhy v monarchii. Na stranu pěstitelů cukrové řepy se stále více stavěla agrární strana. Vrchol cukrovarnictví přišel v letech první republiky, což sleduje druhá kapitola. V těchto letech cukrovary na Moravě a ve Slezsku reprezentují zejména dvě seskupení – na střední a severní Moravě to bylo sdružení kolem Jana Vacy, na jižní Moravě pak cukrovarnický koncern Viktora Stoupala, který představoval příklad pronikání agrárního kapitálu do cukrovarnictví na Moravě. České a moravské cukrovarnictví prošlo mezi světovými válkami obdobím velkého rozkvětu, třebaže konjunktura netrvala dlouho. Research the monograph, is based on an original archival research and it, aims to create a comprehensive and clear picture of the development of sugar industry in the Czech lands from its beginning to the end of the First Czechoslovak Republic (1938) and it focuses on the presentation of this form in Moravia and Silesia. The monograph is divided into two chapters. The first one covers the period since the late 20s of the 19th century to the end of the First World War (1918). These were years of searching, experimentation, early successes, but also many economic and technological declines. The first workshops were generally small and had the character of manufactures, and they were established by the members of the aristocratic estates. Gradually, the representatives of citizen and business or financial strata penetrated among them. Since the end of the 60s also peasant sugar factories were formed. Gradually, the sugar industry in the Czech lands was becoming an important export item. Connecting sugar industry to the financial community in the monarchy began. Agrarian Party was increasingly taking the sugar beet growers side. The top of the sugar industry came in the First Republic, which is described in the second chapter. In these years sugar factories in Moravia and Silesia were represented by two groups – in central and northern Moravia it was group around John Vacy, in southern Moravia it was the Viktor Stoupal s sugar group, which represented an example of the agrarian capital s penetration into the sugar industry in Moravia. Between the World Wars the Czech and Moravan sugar industry passed a period of great prosperity, although the boom did not last long.

The thesis is focused on content and impact of the new Basel Capital Accord, commonly known as Basel III. These rules react to recent development in global financial markets and introduce some substantial changes into regulatory approach, which include changes to the definition and required amount of regulatory capital and presents new liquidity requirements. The thesis then assesses new rules form two points of view. First, a quantitative model is constructed that predicts the impact of new rules on capital adequacy of four major Czech banks based on default rates data. In the second part of the analysis, institutional impact of new regulation is stressed, namely the question of how new rules fit within the theoretical framework of optimal regulatory architecture and what pitfalls they have. The thesis is unique in the eclectic nature of its approach, whereby two seemingly disparate approaches oppose each other and an attempt at synthesis is presented. Keywords Banking regulation, Basel II, Basel III, capital adequacy, capital accords, regulatory impact analysis, credit risk JEL classification G21, G28

The topic of this thesis is personal and family finance. At the time of extensive government austerity measures, uncertainty of countries' future, or even international companies, and on the other side the ever bigger influence of advertisement and consumer culture, its importance grows with each year. The main goal of this thesis is to confirm or disprove the hypothesis that presumes the following: although people think they are handling their personal finance right, they often make typical wrong decisions. Part of the theory is a survey dealing with financial literacy of Czechs that support a theory that they have considerable gaps in managing their finances. Further on, the thesis engages in possibilities on how to eliminate these gaps. Doing this, the author perceives the family, or individual, as a parallel to a company, while their finances management makes parallel to the company's accounting. It also briefly deals with why these mistakes are present, using behavioral economics as a tool for explanation. The theoretical part presents possibilities and products that are to find at a usual economy subject on the market to those willing to evaluate their finances. The practical part is looking for answer to question what the most frequent mistakes are. The author then chooses the one he considers the most significant, namely the absence of planning. It then tries to prove, that elimination of this mistake leads to considerable improvements and optimization in managing finances.

The thesis deals with perspectives of the regulation of credit institutions in the Czech Republic, Europe and worldwide.

The aim of this master thesis is to analyze marketing communication of new banks which entered the Czech market in 2011. The first part of the thesis contains the theoretical background regarding marketing in services, marketing communication and methodology of market research. The practical part deals with the analysis and comparison of marketing communication of Zuno, Air Bank and Equa bank. The practical part contains own quantitative and qualitative market research focused on perception of marketing communication of these banks by the public and their clients. Based on this research and SWOT analysis the possibilities of improvement in the future are presented at the end of the thesis.

This thesis deals with management control system and its motivational functions. The theoretical part of the thesis describes the management control system and liability management. The following part contains a description of the banking sector, which the company Česká spořitelna, a.s. operates in. The banking sector is a very specific business environment, that may affect the management of the employees in the company and selling their products. The practical part contains a description of management control system at Česká spořitelna, a.s. This is mainly a description of the remuneration and motivation of employees and its comparation with theoretical knowledge of management control systém and liability management.