Analýza družstevních záložen v ČR

The sector of credit unions has undergone a remarkable evolution. The situation had seemingly changed after the period of instability in the late 1990's but the bankruptcy of Unibon, Metropolitní spořitelní družstvo and WPB Capital proved that the credit unions still pose a potential threat for financial market. In 2014, a Novel of the Savings and Credit Cooperatives Law, which will probably lead to change of the structure of these financial institutions´ markets, was passed. Furthermore, another limitation on credit unions, related e.g. to their balance sheet total is going to be imposed 1.1.2018. According to the fact that in general they aim to either eliminate or dispose of this type of financial institution, the amount of these subjects is likely to decrease, as a consequence of transformation into a bank or termination of business. This bachelor thesis analyses contemporary condition of the sector of credit unions and intends to predict their presumable development, which leads to three possible eventualities.