The aim of the dissertation is create the clear directions for setting up of the business plan and to create also the real business plan of saving bank. This dissertation consists of two main parts. The theoretical part contains the needed resources for the corect design of business plan and in the practical part are those principles applied to the project.

This thesis deals with the evaluation of the investment efficiency to the traffic buildings. Theoretical part describes the history of the traffic sector and the railway traffic, the ownership and financing of the railway infrastructure. Next section describes the characteristic of railway corridors, basic principles of their modernization and optimizations and methods for the evaluation of investment efficiency. In practical part is focused on design of an own methodology for the evaluation of investment efficiency to the traffic building according to savings of passengers' time. The investment efficiency to the railway corridors is assessed using proposed methodology.

The tesis is analyzing the establishing situation of the Českomoravská stavební spořitelna in the year 1993. In the theoretical part are pointed out the basic methods necessary to observe during the establishment of a corporation. The metods are e.g. PEST analysis, SWOT analysis or the style of strategic enter on the market. In the practical part are analyzed the real conditions during the establisment of the ČMSS. In the conclusion is summarized the comparison of the theoretical and practical part and is pointed out that not every establishment follows above recommended metods.

The objective of the thesis is to introduce and compare old age financial securing possibilities. The work is not focused on macroeconomic rating of the pension system in the Czech Republic but on individual coping with fixed conditions and finding an optimal way to old age securing with the help of private saving. The thesis has been divided into two parts. In the first one the current pension system has been partially presented and particular saving possibilities have been introduced. The second part has been devoted to a calculation of particular saving forms advantageousness and it has been finished with a recommended saving plan.

The time-saving bias is a cognitive error which systematically influences human perception of relationship between speed and time. As a consequence they overestimate time gained/lost when accelerating/decelerating from higher speed and underestimate time gained/lost when accelerating/decelerating from lower speed. This bias is most salient in the context of a car driving where such a misperception might lead to an excessively high travelling speed. Apart from the impact on the driving safety, unduly high speed have negative effect also on the fuel economy. An undue fuel consumption can be an issue not only for firms, but also for the environment. This work tested a formerly proposed de-biasing measure, a paceometer, in a field experiment with the intention to find out if this kind of intervention can alter drivers' behaviour in order to reduce speeding and thus increase the driving safety and decrease the fuel consumption. To test also the strength of the measure the experiment was done within a middle size company where employees did not bear driving costs. Results based on 1 year fuel consumption data of 45 participants showed no particular effect of the measure on the average fuel consumption. A reason for this finding can be an existence of a principal/agent problem which considerably affects incentives of drivers.

[pt] Apesar de a infraestrutura ser considerada um fator fundamental do crescimento econômico, pouco se conhece a respeito dos impactos de deficiências de infraestrutura sobre o comportamento das firmas. Usando dados da Pesquisa Industrial Anual, investigamos como as indústrias reagiram às restrições impostas pelo racionamento de energia elétrica brasileiro de 2001/2. A estratégia de identificação explora a imprevisibilidade da ocorrência e localização geográfica do racionamento como experimento natural que permite comparações entre firmas em regiões racionadas e não racionadas. Os resultados mostram que o racionamento acarretou uma diminuição anual média de 6,8% no valor da transformação industrial e substituição de energia elétrica por outras fontes. Os impactos do racionamento apresentaram maior magnitude entre as firmas exportadoras e com alta intensidade elétrica. / [en] Despite being considered an important component of economic growth, little is known about the impacts of infrastructure on the behaviour of industrial firms. In this article we investigate how firms reacted to the restrictions imposed by the Brazilian energy rationing of 2001/2. We exploit the unpredictability of the occurrence and geographical location of the rationing as a natural experiment that allows comparing firms in rationed and non-rationed regions. The results show that the rationing resulted in an average annual variation of -6,8% in value added and a substitution of electrical energy by other sources. Results were of greater magnitude for energy intensive and exporting firms.

The aim of this project is to examine the energy consumption of Nåntuna elementary school in Uppsala, in order to suggest improvements, making the building more energy efficient. The aim also includes calculating savings and the pay-off time for each energy reducing measure. This project is performed together with Skolfastigheter and STUNS on the initiative of Uppsala Energy Stories. The study includes an examination of the energy consumption of the building, energy calculations and a proposal of actions for improvements with cost estimations and pay-off time calculated. The conclusion includes performing following actions: installing low-flushing taps, changing to LED lighting with attendance time and daylight control, replacing the ventilation system, lowering the air flows in the ventilation and also installing solar power. Calculating both the best and the worst case scenario gives an interval for possible outcomes in the result. According to calculations, installing low-flushing taps will have a pay-off time of 1.7-2.3 years and a yearly saving of 1 300-1 800 kr, LED lighting a pay-off time of 25.5-31 years and savings of 24 700-29 900 kr per year, ventilation a pay-off time of 6-7.7 years and a yearly saving of 65 400-76 400 kr and lastly an installation of solar power a pay-off time of 5.9-9.6 years and savings of 24 000-30 000 kr per year.

The application of retrofit options to existing heritage buildings has become one of the most interesting topics in construction. In Victoria, BC, Canada, only 4% of commercial or institutional heritage buildings have been upgraded to current building codes in the last 10 years. Remaining 96% buildings exist with poor energy performance characteristics and a risk to occupant safety in the event of a damaging earthquake. This study investigates the importance and benefits of simultaneous energy and seismic retrofitting of existing heritage buildings. It presents a case study for a building with identifiable heritage value, located in Victoria, BC, Canada, and analyzes five feasible options in terms of energy retrofitting and presents a solution for both seismic and energy upgrading. To this aim, the energy retrofit options are compared based on the amount of saved energy, annual heating demand and estimated costs. The seismic solution is designed based on the weakness and needs of the building, and cost-effectiveness. Finally, the best solution is selected for a building that dates back to the beginning of the 20th century. This study shows that the integration of energy and seismic retrofitting of heritage buildings provides economic benefits to owners while improving energy savings and building safety. / Graduate / 2021-08-31

This study is an analysis of the relationship between domestic savings and three economic indicators in the Republic of Korea during the 1950s through 1980s. While domestic saving is affected by many economic phenomena, the analysis is confined to national income, exports, and inflation. The study is divided into five chapters. These are entitled (1) Introduction, (2) Domestic Savings, (3) Income and Domestic Savings, (4) Exports and Domestic Savings, (5) Inflation and Domestic Savings. In chapter I, Korea and the Korean economy are introduced, and the scope of the study is stated. Chapter II reviews the related realm of domestic savings: definition, kinds, and determinants of domestic savings. Chapter III presents the relationship between different incomes and domestic savings, and shows non-labor income contributes more powerfully to the formation of domestic savings than labor income. Chapter IV contains effects of exports, and hypothesis testing. The effect of exports suggests that export expansion affects domestic savings positively via an increase in gross national product. Chapter V deals with the correlation between inflation and domestic savings, and its testing. The correlation between inflation and domestic savings is not generally clear except for some specific cases.

Providing conditioned and fully controlled room is the final goal for having a comfortable building. But on the other hand making smart controllers to provide the required cooling or heating load depending on occupants' real time feeling is necessary. This study has emphasized on finding a meaningful and steady state parameter in human body that can be interpreted as comfort criterion which can be expressed as the general occupants' sensation through their ambient temperature. There are lots of researches on human physiological behavior in different situations and also different body parts reaction to the same ambient situation. Body parts which have the biggest reliable linear fluctuation to the changes are the best subject for this research. For these tests, wrist and palm have been selected and their temperatures on different people have been measured accurately with thermal camera to follow the temperature trend on various comfort levels. It is found that each person reaches to his own unique temperature on these two spots, when he/ she feels comfortable, or in other word each person's body temperature is a precise nominate for comfort feeling of that individual. So in future by having this unique comfort parameter and applying them to the HVAC system temperature control, controlling the dynamic temperature and correlating the indoor condition depending on the occupants instant thermal comfort level, would be a rational choice to bring convenience while energy has been saved more.