||This bachelor thesis is aimed to be an accurate and detailed analysis of profitability and costs of bank deposits and loans for individual clients in the Czech market with possibility to make a comparison of the advantages of the Czech banks´ products. Moreover, in general, the thesis tries to refute or confirm the criticism about the magnitude of bank fees in the Czech Republic. The principle of the analysis is based on a comparative tool designed in MS Excel containing defined parameters in the form of actual fees and interest rates and the appropriate formulas of financial mathematics, thanks to which, it is able to calculate the return on the deposit or total costs of loan products. The final amount is calculated for specific flexibly entered inputs such as the amount of the deposit or loan repayment period. This tool is an electronic attachment to this work.