This paper investigates how individuals in emerging markets, specifically South Africa, approach their savings decision. The researcher attempts to identify those attributes most desirable to emerging market consumers, in so far as the allocation of their disposable income to saving is concerned. In the wake of one of the biggest financial crises to hit the modern world, there is going to be increased scrutiny into how financial institutions and countries capitalise their balance sheets. The manner in which financial advice is given to individuals will face similar scrutiny as such the subject matter requires even greater understanding. Human beings in some parts of the world are living increasingly longer. Longevity risk is the risk that people may live for longer than the average expected. This poses risks of uncertainty of the quantum of financial assets to build up in preparation for retirement. These are pertinent reasons for the need for a study of this nature. The research found that stereotypical understandings of the profile of a typical emerging market individual are being challenged. As such organisations looking to take advantage of business opportunities present in these markets need to be cognisant of this change in shaping their business strategies. / Dissertation (MBA)--University of Pretoria, 2012. / Gordon Institute of Business Science (GIBS) / unrestricted

The thesis is a summary of the basic principles of bank trading focusing on the differences between business of traditional and "low-cost" banks. Furthermore, this thesis contains the analysis of operational revenues and costs of selected banks subsequently analyzed the structure of sources operational profit of selected traditional banks in comparison with selected "low-cost" banks in ČR. This thesis includes analyzis of trends that currently move the banking sector and following the trends analysis of non-banking services provided by banks in ČR which can be considered as an alternative source operational profit of traditional banks. The last part of the thesis includes evaluation of the survey, which was carried out to determine customer satisfaction with bank services in ČR.