Šio darbo tikslas - išnagrinėji AB „DNB“ banko įvaizdžio formavimą ir valdymą teoriniu bei praktiniu aspektu ir konstatavus įvaizdžio formavimo bei valdymo problemas sukurti banko įvaizdžio tobulinimo modelį. Teorinėje darbo dalyje analizuojama organizacijos įvaizdžio samprata, kūrimo lygiai, pagrindiniai veiksniai, formuojantys organizacijos įvaizdį. Taip pat teorinėje dalyje analizuojami, lyginami organizacijos įvaizdžio kūrimo modeliai bei banko įvaizdžio valdymas. Analitinėje baigiamojo darbo dalyje pateikiami ir analizuojami rezultatai, gauti atlikus žiniasklaidoje formuojamo AB „DNB“ banko įvaizdžio bei esamų ir potencialių klientų anketinės apklausos tyrimą. Rezultatų analizės metu buvo konstatuojamos banko įvaizdžio probleminės sritys. Projektinėje darbo dalyje suformuluoti tokie sprendimai: Įvaizdžio formavimo probleminių sričių koregavimas: teikiamų banke paslaugų įvaizdžio gerinimas, banko vardo žinomumo gerinimas, žiniasklaidoje formuojamo banko įvaizdžio gerinimas bei vykdomos socialinės veiklos populiarinimas. Taip pat buvo nuspręsta stiprinti įvaizdį formuojančius elementus: personalo įvaizdžio stiprinimas sistemingai keliant darbuotojų kompetenciją, mažinant darbuotojų kaitą bei verslo įvaizdžio stiprinimas diegiant inovacijas, lyderiaujant aptarnavimo sferoje, dalyvaujant visuomeninėje veikloje, populiarinant banko pasiekimus. / Theoretical and practical consider AB „DNB“ bank’s image formation and managing. After image formation and managing problems ascertaining, to create improving model of bank’s image. The theoretical part analyzes the concept of the organization's image, development levels, the main factors shaping the organization's image. Also part of theoretic analysis, comparing the image of the organization development models and discusses the bank’s image management. Final analytical part provides an analysis of the results obtained from the media molded DNB bank's image and existing and potential customers of the questionnaire survey. Analysis of results was seen for the bank's image problem areas. Part of the design decisions are formulated as follows: Branding adjustment problem areas: banking services provided by the image of the bank's name recognition improvement of the media molded the image of the bank's ongoing social and business promotion. It was also decided to enhance the image-forming elements: strengthening the image of the staff systematically raising the competence of employees, reducing employee turnover and strengthening the image of the business through innovation, leading services sector, participation in social activities, promoting the bank's achievements.

本文旨在探討當央行的目標函數中對通膨和產出的權重有相關時，並且將央行的偏好納入模型之中，對央行其目標通膨機制下之通膨偏誤(inflationary bias)有何影響，最後再比較在不同的目標通膨機制下之通膨偏誤以及預期社會福利。相較於Walsh (1999)的結果，我們得到部份相同、部分不同的結論。以下為三點相異之發現：（1）當央行愈在乎通膨，對通膨有較高的權重，不論在何種目標通膨機制下，其通膨偏誤皆會變小。（2）相較於沒有考慮央行偏好下的政策結果，我們發現考慮央行的偏好後，對通膨偏誤和預期社會福利會有很大的影響。影響的結果則是決定於央行偏好的大小。（3）相較於權衡性政策(discretionary policy)下的通膨偏誤，在非任意政策和宣示政策的模型中加入央行的偏好後，未必有助於降低的通膨偏誤。同樣地，政策比較的結果也是決定於央行偏好的大小。 / In this paper, we extend the model of inflation targeting with a penalty borne by the central bank in Walsh (1999) and add the specification of the central bank’s preference in Muscatelli (1998) to study how the weight on inflation, the central bank’s preference affect the inflationary bias under a non-state-contingent policy and an announcement policy. Moreover, we investigate how the expected social welfare varies under a discretionary policy, a non-state-contingent policy, and an announcement policy. We obtain the following findings in contrast with those in Walsh (1999): First, for a non-state-contingent policy and an announcement policy, when the central bank more cares about inflation, the inflationary bias becomes smaller. Second, compared with the inflationary bias under a non-state-contingent policy and an announcement policy without the central bank’s preference, it has a substantial effect on the inflationary bias and the expected social welfare after considering the preference of the central bank into the models. The monetary policy effect depends on the magnitude of the central bank’s preference. Third, adding the preference of the central bank is not definitely beneficial to reduce the inflationary bias and enhance the expected social welfare compared with under a discretionary policy. Similarly, the outcome is dependent on the degree of the central bank’s preference.

Identification and definition of the Bank's Articles and practical analysis of two effective Bank's articles. The aim of this thesis was to emphasize the special treatment of banking statutes and to point to the importance of requirements for the banking statutes of the Commercial Code and Law on Banks. Due to the fact that banks are subjects with a strict state regulation, articles of association are also influenced by the secondary legal acts issued by CNB. The thesis is further focused on effective banking statutes of the two banks in order to estimate the statutory requirements accomplishment. The work consists of an introduction, four chapters, conclusion, appendices and bibliographies. In the introduction the author briefly introduces the reader to the problems and outlines the reasons why she chose the topic as the goals which should be achieved in the thesis. The first chapter deals with the definition and general characteristics of the Articles of Association with the emphasis on mandatory requirements of the Commercial Code. The second chapter is focused on a brief description and definition of the concept and status of banks in the Czech Republic. In the third chapter the author describes the mandatory requirements of the banking statutes according to the needs of the Commercial Code as...

Aim those diploma work work be formed theoretic base for resulting practical appreciation situation companies Sellier & Bellot, Inc . from bank's look. In practical parts am try valorize position companies by the help of bankruptcy mock - ups, above all by the help of Altmanova mock - up and indexs land. Further valorize state situation companies by the help of ratio detector roadsings. First by the help of roadsings solidity, after it by the help of roadsings indebtedness, further by the help of roadsings activities and in the end by the help of roadsings profitability. At the close work is also effected ill - humour duos Pont that the though banks nonmilitarization, but his contribution be wrapped up considerable. On the basis of all these roadsings would she wanted find out, whether would she could have society Sellier & Bellot, Inc . go in for banks fit and successful candidate for obtaining credit.

This diploma thesis deal with decision making process in the Czech national bank's bank board in first six years after the switch to inflation targeting. Due to the transcripts from monetary policy meetings I analyze propensity and it's trend in preferences of bank's board members and compare it with their votings for change in interest rates. I show which members had the greatest influence on the bank board's decision in particular time. In the last part I compare optimal interest rate due to the Czech national bank's inflation target and external conditions to the member's preferences. Therefore I can evaluate the members and say who was the best monetary decision maker.

The principal aim of the thesis is to suggest a follow-up procedure for a bank's stock valuation for investors and to help them make a decision about the prospects of buying or selling bank shares. The particular strategic and fundamental factors influencing the intrinsic value of a bank are described in detail. Special attention is paid to determining the intrinsic value of the banks' brand. An example of particular methods of determining the intrinsic value of a bank's stock is given in the last chapter where the intrinsic value of the biggest Russian bank Sberbank Rossii is calculated with a decision at the end on whether the market pricing is correct.

在政府提倡金融自由化、國際化的引導下，台灣金融管制解放，金融機構擺脫過去寡占經營的局面紛紛林立，為了因應市場競爭，各種金融產品不斷推陳出新，放款限制亦不斷寬鬆，造成市場一片蓬勃。然而從1997年金融危機的發生，導致企業跳票的個案中，使我們注意到企業在自由化時期藉籌措資金之便，大行金錢投機遊戲，以股票質押再行借款投資。此種高度的財務槓桿操作，一旦面臨危機衝擊，抵押品價值下滑，勢必發生連鎖反應而危及營運。 本研究從市場資訊不對稱觀點說明，公司抵押品價值（淨值）下滑，對借款者的債務保障價值減少，加速資訊不對稱之二大問題───道德危機和逆選擇，促使經濟雪上加霜，引發全面性危機。本研究的實證結果如下： 1.台灣自1990年代後，紛紛以股票質押借款，放款隨股價變動而有循環性調整，銀行抵押放款捲入股價波動，脆弱的金融體系一旦因應景氣情勢緊縮信用，對經濟產生進一步抵押品效果。 2.由此次台灣企業財務危機教訓可知，出問題的多為股票質押，不動產質押因應危機的反映較低且台灣不動產不景氣已多年，銀行資本已消化部分壞帳。實證結果亦顯示股票質押相對不動產更有助長經濟向下沉淪的力量。 3.各國經濟結構有別，對抵押品寄予不同程度擔保。所得低的國家，債信程度亦低，金融機構愈仰賴抵押品進行貸款評估，但其效果並不顯著，表示所得並不是唯一考量債信的因素之一。儲蓄對利率的敏感度也是各國因應危機受創不一的因素，當政府為了捍衛匯率，提高利率的結果,無可避免的重創經濟體系，而逃離的資金對利率敏感度低下，卻不易回流至金融體系，整體而言，勢必對一國景氣恢愎速度造成阻力。 4.放款對股價彈性大小變動的幅度和綜合危機判斷指數成負相關。代表愈仰賴抵押品作為貸款條件的國家在面臨危機發生時，會因抵押品效果使經濟更加惡化。

The opening of a bank account serves as the genesis of a bank customer relationship. It is imperative that the establishment of a bank customer relationship be regulated by law. Both the common law and statutory law regulate the admission of new clients to the realm of banking. It is a minimum requirement, in terms of both statutory and common law, that the identity of a prospective client who wishes to open a bank account must both be established and verified. This, the need to know one’s customer, is not only good law but common sense and an effective measure to prevent criminals from accessing the banking system. Parties who work together must know each other. The need to establish and verify the identity of a potential customer is commonly referred to as the Know Your Customer standards, alternatively the Customer Due Diligence framework. The Know Your Customer standards are neither unique to South Africa nor have their origins in South Africa. The Know Your Customer standards are international standards which the Financial Action Task Force and the Basel Committee on Banking Supervision have been advocating for quite some time. A confluence of the Recommendations of the Financial Action Task Force and the Basel Committee on Banking Supervision greatly influenced the birth of the Financial Intelligence Centre Act in South Africa. The Financial Intelligence Centre Act 38 of 2001 prescribes the steps that a bank has to take in order to establish and verify the identity of a potential client. It will be shown in this dissertation that the identification and verification regime established by the Financial Intelligence Centre Act 38 0f 2001 and the common law are not fool proof. This dissertation makes recommendations on how the current loopholes that exist in the law can be addressed. / Mercantile Law / LLM

The opening of a bank account serves as the genesis of a bank customer relationship. It is imperative that the establishment of a bank customer relationship be regulated by law. Both the common law and statutory law regulate the admission of new clients to the realm of banking. It is a minimum requirement, in terms of both statutory and common law, that the identity of a prospective client who wishes to open a bank account must both be established and verified. This, the need to know one’s customer, is not only good law but common sense and an effective measure to prevent criminals from accessing the banking system. Parties who work together must know each other. The need to establish and verify the identity of a potential customer is commonly referred to as the Know Your Customer standards, alternatively the Customer Due Diligence framework. The Know Your Customer standards are neither unique to South Africa nor have their origins in South Africa. The Know Your Customer standards are international standards which the Financial Action Task Force and the Basel Committee on Banking Supervision have been advocating for quite some time. A confluence of the Recommendations of the Financial Action Task Force and the Basel Committee on Banking Supervision greatly influenced the birth of the Financial Intelligence Centre Act in South Africa. The Financial Intelligence Centre Act 38 of 2001 prescribes the steps that a bank has to take in order to establish and verify the identity of a potential client. It will be shown in this dissertation that the identification and verification regime established by the Financial Intelligence Centre Act 38 0f 2001 and the common law are not fool proof. This dissertation makes recommendations on how the current loopholes that exist in the law can be addressed. / Mercantile Law / LLM