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Bankovní klienty zajímá vedle fungování a bezpečnosti bankovního sektoru především kvalita služeb a výše bankovních poplatků. V minulých letech začaly být banky kritizovány v českých médiích právě kvůli výši jejich poplatků. Antimonopolní úřad proti velkým českým bankám zahájil šetření, zda neomezují konkurenci na bankovním trhu. Cílem této práce bylo zhodnotit vývoj konkurence na českém bankovním trhu a jak s ním souvisí efektivnost. Výsledkem analýzy je konstatování ve prospěch sílícího konkurenčního prostředí.

The aim of this dissertation is to estimate the achieved bank efficiency level of chosen countries in EU and to identify the most important factors having the biggest influence on the efficiency in the chosen banks in the period 2004 -- 2011. The efficiency level was measured in six countries (Czech Republic, Hungary, Poland, Slovakia, Slovenia and Austria). The method used for estimating the efficiency was DEA analysis, which is based on linear programming. The efficiency was measured a total of five models and after that were discussed the results. Additionally were observed the changes of efficiency level in connection with the economic recession in the estimated period. The results of the thesis indicated that the best efficiency of bank system is in the Czech Republic and in Austria and the worst efficiency is in Slovenia and Slovakia. After the estimation of efficiency, the author tried also to find the most important sources on inefficiency of bank system in measured countries and tried to formulate recommendation for inefficiency bank systems.

The aim of the thesis is to analyse in what ways the entry of the low-cost banks in the banking market in the Czech Republic influenced the fee policy of the large banks. The intermediate aim of the thesis is to find the most appropriate bank for a particular client. The theoretical part of the thesis deals with the situation and the development of the banking in the market economy, with the banking system, the financial market, the general overview and the bank products specification. Basic terms closely connected with the bank account are explained. In the practical part low-cost banks working in the Czech banking market are introduced. Here is where their basic market results are compared and the development of the clients number of the low-cost banks in the course of time is presented. In the analytical part the comparison of bank fees related to the use of the current account is shown on the examples of model clients (passive, average and active client) with the three largest banks in the banking market in the Czech Republic before the entry and after the entry of low-cost banks. Hereafter the fees between particular banks on the present conditions in the market are compared. From the analysis follows that the most suitable institution offering the considered services free are Fio Bank and Air Bank with the profile Passive Client and UniCredit Bank and Equa bank with the profiles Average and Active Client.

In reaction on the financial crisis 2007-2009 was introduced by the European Union a concept of banking union that should prevent similar destabilization of financial markets and readjust supervisory and regulatory mechanisms to reality of the European banking sector. The aim of the master thesis was to assess the concept of banking union as a suitable reaction on current state of the financial sector. The thesis includes historical discourse on banking regulation with an emphasis on institutional framework and requirements on banks. It introduces individual pillars of banking union -- Single Supervisory Mechanism, Single Resolution Mechanism and Single-rule Book. The comparative analysis of selected indicators of each individual Eurozone banking sector proved significant disparities. Based on the proven heterogeneity of banking sectors and institutional shortcomings of the banking union the conclusion was reached, that operation of single supervision and regulation can lead to adverse effects either on banking markets or on economies of member states and therefore it is rendered as an unsuitable reaction on current developments of the European financial markets.

In the theoretical part will be devoted to banking in the Czech republic and current account as the product and services related. The practical part will focus on selection of several bank institutions and description their range of accounts. Tree segments of client will be selected and determined standardized hypothetical client in selected segments. Aim of the thesis is comparison of fees and charges of the bank institutions and determination of the best option.

Práce vymezuje a popisuje jednotlivé formy přímého bankovnictví se zaměřením na jejich bezpečnost. Zabývá se možností využití přímého bankovnictví při realizaci jednotlivých bankovních funkcí a riziky, která jsou pro banky s přímým bankovnictvím spojena.

This diploma thesis is dealing with issues of consumer protection in area of bank services, namely in area of protection of a depositor and protection of a debtor. Theoretical part deals with legal protection of bank consumers in Czech Republic and in EU, ethical code and financial literacy of consumers. Practical part is divided into two parts; first one is devoted to specific cases widened by compiled results of a questionnaire survey. Second part is dealing with a test of financial literacy. The survey is analysed in this thesis. There will be a set of recommendations regarding bank consumer protection at the conclusion.

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