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Banks are fi nancial institutions that mediate payments, provide loans and take deposits from clients. The banking system has become an important component in the economic sector of each country. Like other industries, the banking industry has its own unique characteristics and specifi cs that adapt to internal and external influences economic sector. Each country requires a reliable and stable banking system to assure the proper functioning of the economy. The problems in the banking sector will likely have an impact on the entire financial sector.

According to Wu (2010), the internal causes of firm bankruptcy may be seen in insufficient management skills, marketing and an inability to compete. They are refl ected in company performance. For this reason, accounting data, or rather financial ratios, are a frequent source of information for assessing the stability and viability of an enterprise.

In general, hotel location involves selecting a specific country, region and settlement unit (commune or town), where a hotel enterprise could be located (Damborský & Wokoun, 2010; Godlewska, 2001). The location of tourist enterprises, such as hotels, is fundamental to the size of the tourist demand and thus affects the economic efficiency and profitability of the hotel (Lado-Sestayo, Otero-González, & VivelBúa, 2014; Parte-Esteban & Alberca-Oliver, 2015; Puciato, 2016; Puciato & Dziedzic, 2016; Půlpánová & Simová, 2012; Simová, 2011; Simová & Zemanová, 2011; Sohrabi, Vanani, Tahmasebipur, & Fazli, 2012).

One of the most common problems with health care systems around the world is that the cost of running them tends to increase at higher rate than the rate of inflation (see Glied & Smith, 2013). This has led among others to the introduction of visit fees by governments and/or public as well as private health care facilities and other health care providers.

The interest in bank liquidity has grown significantly in recent times not only among regulators, but in authors’ studies as well. The trigger mechanism was mainly the recent global financial crisis, where a number of systems faced liquidity problems. On the basis of the crisis, the regulation on the part of the Basel Committee (Bank for International Settlements, 2010) in the area of liquidity has increased. The Basel Committee proposed the introduction of two liquidity indicators: the LCR (Liquidity Coverage Ratio) and the NSFR (Net Stable Funding Ratio), which the member states must obligatorily fulfil based on European law.