O estudo objetivou a identificar o uso de ferramentas de comunicação interna no Banpará, Instituição Bancária regional, com atuação no Estado do Pará, mais precisamente no âmbito de apoio ao desenvolvimento local. Contemporaneamente, a comunicação é considerada fator estratégico para uma organização, já que por meio dela, bons fluxos de informações são necessários para o alinhamento dos objetivos e estratégias de uma empresa. Esse processo atinge principalmente os funcionários, muitas vezes, tratados de forma homogênea, embora pertençam a segmentos distintos, quando podem ocorrer ruídos nos processos de comunicação interna. Metodologicamente, foi utilizada a pesquisa bibliográfica para levantamento, das teorias comunicacionais disponíveis e dos recursos técnicos inerentes à comunicação. A aplicação do estudo de caso indicou que os funcionários acessam as ferramentas de comunicação interna e por meio dessas recebem informações suficientes para desenvolver suas atividades no trabalho, havendo predominância do uso da intranet e, um fluxo de comunicação predominantemente vertical descendente. Conclui-se que quanto maior o grau de robustez das informações veiculadas e a possibilidade de participação do funcionário, melhor será o seu entendimento em relação aos objetivos da instituição. É estratégico, que as empresas atentem, para que a dinâmica de uso intenso da comunicação por meio da tecnologia, não substitua integralmente as práticas de relacionamento interpessoal, como as práticas presenciais, com a realização de reuniões, a comunicação face a face. Haja vista a importância dos funcionários, enquanto atores sociais e, que deles dependem o entendimento das estratégias organizacionais para alcançar os resultados junto aos clientes. As instituições façam uso das ferramentas de comunicação interna em todos os estilos disponíveis, alinhadas a conjuntura e a cultura organizacional, e ao seu grau de evolução tecnológica, ou seja, mescladas, entre ferramentas tradicionais, convencionais e tecnológicas. / The study aimed to identify the use of internal communication tools in Banpara, regional banking institution, operating in the State of Para, more precisely in the context of support to local development. Contemporaneously, the communication is considered a strategic factor for an organization, since through it, good information flows are necessary for the alignment of goals and strategies of a company. This process affects mainly employees often treated as homogeneous, although they belong to different segments, where noise may occur in the processes of internal communication. Methodologically, was used to survey the literature, theories of communication available and the technical resources involved in communication. The application of case study indicated that employees access the tools of internal communication and through those get enough information to develop their activities at work, and the predominance of the use of intranet and a communication flow predominantly downward vertical. We conclude that the greater the degree of robustness of the information given and the possibility of employees participation, the better their understanding in relation to the goals of the institution. It is strategic, that companies pay attention to the dynamics of intense use of communication through technology, not fully replace the practice of interpersonal relationships, such as classroom practices, with the holding of meetings, face to face communication. Given the importance of employees as social actors who depend on them the understanding of organizational strategies to achieve results with clients. Institutions make use of internal communication tools available in all styles, lined the conjecture and organizational culture, and its level of technological evolution, - that is, mixed between traditional tools, and conventional technology.

An essential blend between competencies, personality and skill is sought after for successful branch managers in today’s banking world in order to achieve a high level of quality, on-time delivery, as well as customer and employee satisfaction and loyalty. In this study the predictive relationship between competencies (as a portrayal of personality and abilities) and work performance was investigated among the branch managers. The scores on the essential Universal Competency Framework competencies, the Person- Job Match and performance data for three years were used to conduct correlation and regression analyses. The study was conducted among 95 branch managers at a banking institution in South Africa. A theoretical relationship was determined, and this was supported by the significant relationship that was evident between the identified essential competencies of the branch managers and their work performance. The regression model summary indicated significance when using all essential competencies combined against the overall criterion score. / Industrial & Organisational Psychology / M.A. (Industrial and Organisational Psychology)

An essential blend between competencies, personality and skill is sought after for successful branch managers in today’s banking world in order to achieve a high level of quality, on-time delivery, as well as customer and employee satisfaction and loyalty. In this study the predictive relationship between competencies (as a portrayal of personality and abilities) and work performance was investigated among the branch managers. The scores on the essential Universal Competency Framework competencies, the Person- Job Match and performance data for three years were used to conduct correlation and regression analyses. The study was conducted among 95 branch managers at a banking institution in South Africa. A theoretical relationship was determined, and this was supported by the significant relationship that was evident between the identified essential competencies of the branch managers and their work performance. The regression model summary indicated significance when using all essential competencies combined against the overall criterion score. / Industrial and Organisational Psychology / M.A. (Industrial and Organisational Psychology)

The Master thesis describes comprehensively all action of exaction an outstanding debts in banking since origin of defaulted credit up to execution. In the thesis the action of out of court exaction is briefly explained. Nevertheless, the main part of the thesis is takes heed of the judicial exaction. The thesis deals with the selected points at issue from the sphere of judicial trial, compares the judicial trial with the trial of arbitration in point of view their effectiveness. The thesis explains process of debt restructuring an outstanding debt and compares also types of executions. Conclusion of the thesis highlights a question of sale an outstanding debts and leave their management to collecting companies. The aim of the thesis is to provide a well-arranged instruction to banking institutions how to exact their outstanding debts effectively and bring the advantages and disadvantages of particular ways of exaction to attention. At the same time this thesis should be a contribution for public in order to become acquainted with the action of exaction an outstanding debts in banking.

Cette thèse est destinée à démontrer l’existence d’un principe de solidarité dans le cadre de l’Union bancaire européenne (UBE). Ce travail est divisé en trois chapitres. Le premier chapitre vise à retracer les différentes nuances qui caractérisent la sémantique du mot ‘solidarité’. Le deuxième chapitre est consacré à l’évaluation des dispositions des traités qui se réfèrent à la notion de solidarité. Le troisième chapitre analyse la façon dont le principe de solidarité est développé dans l’UBE. En conclusion, la thèse tente de prouver que dans ce nouveau cadre juridique européen, la « règle » continue d’être la non-solidarité; en revanche, l’ « exception » continue d’être la solidarité, comme cela a été confirmé par les nouveaux outils, qui pourraient être déclenchées par l’autorité compétente uniquement en présence de difficultés sérieuses dans le secteur bancaire. / The thesis is intended to demonstrate the existence of a principle of solidarity in the European Banking Union (EBU). This work is divided into three chapters. The first chapter aims to retraces which are the various nuances that characterize the semantics of the word ‘solidarity’. The second chapter is devoted to the assessment of the provisions of the Treaties which refer to the concept of solidarity. The third chapter analyses how it is declined the principle of solidarity in the EBU, which has introduced innovative methods to manage the resolution of the banks in distress. In conclusion, the thesis tries to prove that also in this renewed EU legal framework, the ‘rule’ continues to be the non-solidarity; by contrast, the ‘exception’ continues to be the solidarity as confirmed by the new tools, which could be activated by the competent authority only in presence of serious difficulties in the banking sector.

This diploma thesis deals with external audit of banks in Czech Republic. The main objective of this thesis is to describe in detail the techniques, strategy and methods which are used by the external auditor during the engagement and to compare them with those used in internal audit. The main emphasis during the stage of interim audit is put on control of risk management activities. The first part of this diploma thesis is devoted to theoretical issues and legal aspects of audit profession. Specific characteristics of banking institutions audit including major risks and the scope of external auditor's activities are described in the second chapter of the thesis. Third part describes the main stages, used methodology and the process of external audit of banking institutions. Last chapter is devoted to a brief description of the internal auditor's activities in the bank and their comparison with the external audit.

This diploma thesis focuses on the assessment of financial resources for the acquisition of real estate. Specifically, the thesis deals with the issue of purchasing an apartment using a mortgage loan. In this case, the investor is a young married couple. The diploma thesis consists of two parts. The theoretical part deals with housing, the real estate market, real estate valuation and real estate financing sources in its chapters. The practical part primarily focuses on the choice of the banking institution, which will provide the couple with a mortgage loan, and also the banking institutions, which will provide the consumer with a consumer credit for financing the remaining necessary amount of the flat price.

The purpose of this study was to determine whether there is a relationship between emotional intelligence and leadership among senior leaders in a South African financial services organisation. The sample consisted of 973 participants. A convenience sample was used, as the leaders were part of a strategic organisational initiative and completed measurement instruments as part of this process. All participants completed the Bar-On EQ-i, in order to measure emotional intelligence, whereas the leadership data were obtained from an organisation-specific multi-rater which accessed self-ratings, peer and subordinate ratings as well as manager ratings in terms of leadership behaviours linked to organisational worldviews of leadership effectiveness. The results show that there was a statistically significant relationship between emotional intelligence and leadership among the leaders, but that there was poor predictive strength between these variables. / Industrial & Organisational Psychology / MCom (Industrial and Organisational Psychology)

The purpose of this study was to determine whether there is a relationship between emotional intelligence and leadership among senior leaders in a South African financial services organisation. The sample consisted of 973 participants. A convenience sample was used, as the leaders were part of a strategic organisational initiative and completed measurement instruments as part of this process. All participants completed the Bar-On EQ-i, in order to measure emotional intelligence, whereas the leadership data were obtained from an organisation-specific multi-rater which accessed self-ratings, peer and subordinate ratings as well as manager ratings in terms of leadership behaviours linked to organisational worldviews of leadership effectiveness. The results show that there was a statistically significant relationship between emotional intelligence and leadership among the leaders, but that there was poor predictive strength between these variables. / Industrial and Organisational Psychology / MCom (Industrial and Organisational Psychology)

nÃo hà / Esta pesquisa objetiva o desenvolvimento de um modelo de risco para instituiÃÃes bancÃrias, fundamentado em Ãndices financeiros, com a aplicaÃÃo de conceitos de matrizes de migraÃÃo de ratings. Para isso, sÃo utilizados dados contÃbeis pÃblicos destas entidades, que recebem o acompanhamento de autoridades monetÃrias, devido ao risco sistÃmico que podem representar, e das matrizes de migraÃÃo de rating, que tÃm se tornado de grande utilidade na teoria moderna de administraÃÃo do risco. Assim, em uma abordagem teÃrica e experimental, foi gerado um modelo, com a utilizaÃÃo de matrizes de migraÃÃo, construÃdas a partir de classificaÃÃes de risco baseadas em Ãndices financeiros. Foram utilizados demonstrativos financeiros semestrais e anuais de 79 instituiÃÃes bancÃrias, no perÃodo de 2001 a 2009. Verificou-se que as matrizes de migraÃÃo que mais se aproximavam de matrizes de rating foram aquelas com menores nÃmeros de classes de risco e de maiores intervalos. Quanto aos Ãndices da equaÃÃo do modelo, verificou-se que a alavancagem e a relaÃÃo capital/depositantes foram os que apresentaram maiores ponderaÃÃes. Quando as notas estimadas foram comparadas com as notas das agÃncias Austin e Fitch, observou-se baixo nÃmero de notas iguais, porÃm em quantidade significativa, quando consideradas tambÃm as notas iguais e as que diferiam em apenas um nÃvel de risco. / This research aims to develop a risk model for banks, based on financial indices, with the application of concepts of migration matrices ratings. For this, public accounting data are used these entities that receive the monitoring of monetary authorities, due to the systemic risk that may represent, and rating migration matrices, which have become very useful in the modern theory of risk management. Thus, in a theoretical and experimental, a model was created with the use of migration matrices, constructed from risk scores based on financial indices. We used half-yearly and annual financial statements of 79 banks in the period 2001 to 2009. It was found that the matrix of migration that were closest to the rating matrices were those with smaller numbers of classes of risk and greater intervals. Regarding the indexes of the model equation, it was found that the leverage ratio and capital / depositors were those with higher weightings. When notes were compared with the estimated scores of agencies Fitch and Austin, we found low numbers of equal notes, but in significant amounts when the notes considered equal and the only one that differed in level of risk.