Analýza příčin a dopadu finanční krize na hospodaření Komerční banky, a.s.

Abstract

Summary: The economy around the world is strongly influenced by the financial crises that started in a year of 2007 because of the problems on the mortgage market in the USA. Globalization of the world is the reason that the economies of many countries in the world were also hit by the financial crisis. Many economic sectors got worse because of the effects of the financial crisis. The thesis analyses the causes and the effects of the financial crises in the management of Komerční banky, a.s.. It is consisted of four main chapters. The second chapter involves much theoretical information that describes the financial crisis and its negative influence on the USA, Europe and the Czech Republic. This chapter also explains in detail the causes and types of financial crises. Furthermore, it depicts the events that happened after the beginning of the financial crisis. The third chapter deals with the financial data of Komerční banky, a.s. and the indicators of the prudent behavior of the banks. Financial results obtained from the explored data have impact on management and financial stability of Komerční banky, a.s.. The fourth chapter can be considered as practical one and verifies the validity of theoretical assumptions. Economic data are analyzed in SPSS program that enables financial and statistical testing of the data including the creation of the graphs and models. The fifth and also ending chapter summarizes the financial health of Komerční banky, a.s. based on the previous results. This chapter narrowly interprets the economic indicators and their impact on the management of Komerční banky, a.s. at the given period of time. Based on the this chapter, it could be made the conclusion about the financial stability of Komerční banky, a.s. in the period of the financial crisis.