Analýza úrokových a neúrokových zisků ve vybraných bankách v ČR a SR

Abstract

The aim of this diploma work is to analyze credit and non-credit profits in selected banks in the Czech Republic and the Slovak Republic. Theoretical part of the diploma work deals with management of active and passive business of the banks, then the structure of credit and non-credit yield and costs is characterized. Practical part deals with the analysis of credit and non-credit profits in selected banks in the Czech Republic and the Slovak Republic taking into account their management. All the banks showed during the monitored period higher share of credit profit within the financial management than the share of credit from charge and commission. There is also the fact that during the monitored period all the other banks, except Slovenská sporiteľňa, were able to make profit without the profit from charge and commission and a possible decrease of credit profit would mean a decrease of their net profit. In all selected banks during the monitored period was the profit from financial management sufficient to cover the running and risks and they were „efficiency force“ in the target banking sectors.