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Czech Commercial Banks´ Net Interest Margin Analysis with Regards to the Changes of Recent Years
Název práce v češtině: Analýza čisté úrokové marže českých bank s ohledem na nedávné změny v sektoru
Název v anglickém jazyce: Czech Commercial Banks´ Net Interest Margin Analysis with Regards to the Changes of Recent Years
Klíčová slova: bankovnictví, preference klientů, konkurence, digitalizace, regulatorní požadavky, čistá úroková marže, regresní analýza
Klíčová slova anglicky: Banking, Clients´ Preferences, Competition, Digitalization, Regulatory Requirements, Net Interest Margin, Regression Analysis
Akademický rok vypsání: 2014/2015
Typ práce: bakalářská práce
Jazyk práce: angličtina
Ústav: Institut ekonomických studií (23-IES)
Vedoucí / školitel: prof. PhDr. Petr Teplý, Ph.D.
Řešitel: skrytý - zadáno vedoucím/školitelem
Datum přihlášení: 21.05.2015
Datum zadání: 05.06.2015
Datum a čas obhajoby: 14.06.2016 08:00
Místo konání obhajoby: IES, m314
Datum odevzdání elektronické podoby:13.05.2016
Datum proběhlé obhajoby: 14.06.2016
Oponenti: Mgr. Dominika Katuščáková
 
 
 
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Zásady pro vypracování
Since digital world became a new normal, banks have been forced to constantly adapt their services to the changing demands of clients. This, together with the tightening regulatory requirements, the dynamics present in the financial market and the growing competition from non-banking institutions, has put a lot of pressure on banks and much has changed in the industry recently.

This thesis analyzes the recent trends in the banking sector and shows their quantitative consequences, while the greatest emphasis is placed on net interest margin, a commonly accepted measure of profitability and efficiency of financial intermediation. A regression analysis is performed to find the main determinants of the margin for Czech banks. Consequently, the most significant determinants are linked back to the general trends, their interconnectedness is explained and a potential future development of the margins is discussed.
Seznam odborné literatury
Černohorský, J. and Teplý, P. (2011). Základy financí. Prague: Grada.

Hinssen, P. (2010). The New Normal. Gent: MachMedia.

Ho, T. and Saunders, A. (1981). The Determinants of Bank Interest Margins. Journal of Financial and Quantitative Analysis, 16(4), pp.581-600.

Mejstřík, M., Pečená, M. and Teplý, P. (2008). Basic Principles of Banking. Prague: Karolinum press.

Wooldridge, J. (2012). Introductory Econometrics: A Modern Approach. 5th ed. Mason: South-Western.
Předběžná náplň práce
Outline
1. Introduction
2. Theoretical background
2.1. Commercial bank definition
2.2. General trends in the banking industry
3. The Czech banking sector
4. Net interest margin analysis for Czech banks
5. Discussion of the results
6. Conclusion
Předběžná náplň práce v anglickém jazyce
In theoretical sections, we provide basic definitions and introduce the banking trends of recent past. Further, we focus there specifically on the Czech banking sector, for which we give an overview of its past development and current state.

In the empirical part of the text, we analyze the most salient quantitative changes for Czech banks and build our model, which we then use to explain the decreasing trend in net interest margin of those institutions. Discussion of our results follows.
 
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