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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
1

Sustainable lending in Swedish banks : An empirical study of whether Swedish banks evaluate SMEs environmental performance in the lending process

Berggren, Liselotte, Berhe, Yodit January 2016 (has links)
In Sweden we have environmental objectives to achieve for the year 2020. Swedish banks have a responsibility like everyone else in a society to act environmentally responsible. When Swedish banks are lending to SMEs they are taking a risk, however, banks are risk averse and want to minimize their risk. By lending to a company that does not take environmental responsibility the risk are increasing. In this study we want to research if Swedish banks take environmental responsibility of companies into account when lending to SMEs. Previous studies show that banks do make an environmental consideration when lending to companies, but there is lack of similar studies in Swedish banks. Additionally, the previous findings have shown to be contradictory. We also thought it would be interesting to see whether Swedish banks are familiar with the environmental objectives since we are not far from 2020. Additionally, we want to find out if there have been any changes since previous years, and if Swedish banks work differently with environmental issues in their lending process to SMEs. Thus, our problem statement is: Do Swedish banks take SMEs environmental responsibility into account in the lending process? And are the Swedish banks familiar with the environmental objectives? Some theories that are discussed in this study are the environmental risks that the banks are exposing themselves to when lending to SMEs. The environmental risks are divided into three categories, reputational risk, direct risk and indirect risk. Another theory that we discuss is the information asymmetry, which also affects the lending process. To grant a loan that is not too risky for the bank, and still fair to the company, the bank need to make an assessment. The assessment is based on the information SMEs gives Swedish banks and therefore the companies have the possibility to not be completely truthful. This is a quantitative research with a deductive approach, and in order to get our results we sent out surveys to Swedish banks that work with lending to SMEs. A total of 75 surveys were sent to the Swedish banks and the 32 answers we received constituted a response rate of 51,6 % since only 62 surveys reached the respondents. The result from our survey showed that Swedish banks do take the environmental responsibility of the company into account when lending to SMEs, however, they are not familiar with the environmental objectives. Thus, they do consider the companies’ environmental responsibility when granting loans to SMEs, however, we do not know whether the environmental objectives are included in this process or not. We could also see from the result of our survey that Swedish banks environmental responsibility has change with time. The conclusion of this research is that Swedish banks do take environmental responsibility of the company into account when lending to SMEs. This is something they should consider to develop and incorporate in their environmental work. However, they are not familiar with the environmental objectives.
2

Internationalization of service firms : Case study of Swedbank and SEB Bank

Negru, Adela, Mazhyrina, Yuliya January 2012 (has links)
Rapid internationalization of economic activities takes an important place in the last decades in the world economy. Services make a huge contribution to the international trade and their expansion grows constantly. It is very important nowadays to investigate the internationalization process of business service firms, their motivations and modes of entering into the new unexplored market. Moreover, correct choice of entry mode and evaluation of the incentives can affect the firm’s performance and the duration of the presence in a foreign market. It is also very important to understand the implications of initial mode of operations for different kinds of services.The purpose of this thesis is to gain better understanding of internationalization process of service firms, their incentives to enter new market and choice of entry mode. This is gained by evaluating such service firms that provide financial services as Swedbank and SEB Bank and their international performance in Baltic countries and Ukraine. These chosen companies provide the study cases for this paper.For this study, deductive approach is used in order to observe the theory, empirical findings and then to draw specific conclusion. Empirical data consists of two study cases of Swedbank and SEB Bank. Through the literature review a theoretical framework is developed in order to help the authors evaluate the motives which influence bank´s decision in selecting an entry mode.The findings of this research are that the main incentive of SEB to internationalize is following its customers and increasing market power in order to become a leader in providing financial services. While for Swedbank customer following and profit incentives are identified as crucial ones when going international. The results show that acquisition is an identical entry mode for both banks and is chosen as most sufficient one.Key words: internationalization process of service firms, banks, incentives, entry modes and acquisition.
3

Finansinspektionens krav på högre kärnprimärkapital : En studie av de svenska storbankerna

Hoffmann, Frida, Ljungqvist Jansson, Kajsa January 2013 (has links)
Sammanfattning – ”Finansinspektionens krav på högre kärnprimärkapital: En studie av de svenska storbankerna” Datum: 2013-05-31 Nivå: Kandidatuppsats i företagsekonomi, 15 ECTS Institution: Akademin för ekonomi, samhälle och teknik, EST, Mälardalens Högskola Författare: Frida Hoffmann & Kajsa Ljungqvist Jansson Titel: Finansinspektionens krav på högre kärnprimärkapital: En studie av de svenska storbankerna Handledare: Staffan Boström Nyckelord: Kärnprimärkapital, de svenska storbankerna, Finansinspektionen Frågeställning: Vilka strategier har de svenska storbankerna använt sig av för att uppnå kravet på högre kärnprimärkapital samt fördela kostnaderna som medföljer? Vilka konsekvenser har det hittills fått för bankerna då de redan börjat anpassa sig till kravet? Syfte: Syftet med studien är att beskriva vilka strategier som legat till grund för att de fyra svenska storbankerna skall klara av det högre kravet på kärnprimärkapital som Finansinspektionen ställer. Undersökningen ämnar även utvärdera vilka konsekvenser förändringarna har fått hittills för bankerna och vem som har belastats med kostnaden för det ökade kärnprimärkapitalet. Metod: Metoden som använts var av kvalitativ karaktär där sekundärdata som samlats in varit från böcker, rapporter och artiklar. Primärdata har samlats in från personliga intervjuer och analyserades sedan med hjälp av sekundära datan. Slutsats: De svenska storbankerna har implementerat tydliga strategier för att uppfylla Finansinspektionens krav. Det visade sig att de banker som använt sig av att se över sin prissättning också var de banker som ligger i topp vad gäller kärnprimärkapitalrelationen. Konsekvensen av det nya kravet har blivit ett större fokus på att ha rätt kunder samt kostnadsfokus för att på så vis täcka upp för de kostnader som kravet medför. / Abstract – “The higher demand on Core tier 1 capital from Finansinspektionen:                 study of the major Swedish banks”  Date: 2013-05-31 Level: Bachelor thesis in business administration, 15 ECTS Institution: School of Business, Society and Engineering Authors: Frida Hoffmann & Kajsa Ljungqvist Jansson Title: The higher demand on Core tier 1 capital from Finansinspektionen: study of the major Swedish banks Tuthor: Staffan Boström Keywords: Core tier 1 capital, the four major Swedish banks, Finansinspektionen Research Question: What strategies have the four major Swedish banks used to fulfill the recommendations from Finansinspektionen regarding higher level of Core tier 1 capital and how have they allocated the costs included? What consequences have the banks experienced so far as they have started to adjust to the new requirements? Purpose: The purpose of this study is to describe what strategies have formed the basis of the four major Swedish banks to manage with the increasing demands on the Core tier 1 capital from Finansinspektionen. The study also intends to evaluate what consequences the changes have had so far and who have been charged with the costs that the demand brings. Method: The method used was of a qualitative nature where the secondary data collected was from books and reports. The primary data collected was from personal interviews and was then later analyzed using the secondary data collected. Conclusion: All of the major Swedish banks now meet the requirements that Finansinspektionen imposes on its Core tier 1 capital. The numbers that differ between banks depends on what strategy has been used. It was found during the study that the banks that revised their pricing was also the banks that are at the top in terms of Core tier 1 capital ratio. The consequence of the new requirement appears to have been a greater focus on having the right customers and the right cost to manage the costs that the new requirement brings.
4

A Call For Attention : External Stakeholder Influence on Executives Within Swedish Banks

Forsberg, Johan, Verner, Carl-Michael January 2014 (has links)
In 2008, a financial crisis struck the world economy, causing a risk of a potential system-crash. In order to stabilize the financial system within Europe, European Banking Authority (EBA) presented new guidelines (GL44) as a way, among others, to increase the transparency among financial institutions. As a result of GL44, Swedish Financial Supervisory Authority (FSA) implemented new regulations, with minor adjustments and amendments. At present, the guidelines are weeks from being completely implemented, thus meaning that the financial industry is able to start seeing the changes from the regulations.The authors have chosen to conduct a study regarding how the banks have been affected from the external authority demands during the previous recession.The focus of the study has been on three of Sweden’s four large banks, which are considered systematically important, as well as one niche bank.The study showed that the work in board and top-management was affected by external demands from authorities. The attention on business development was disturbed during the recession since more focus was put on controlling factors such as compliance, risk management and internal audit as well as on board composition and board competence.
5

Credit derivatives in Swedish banks : Both sides of the coin / Kreditderivat i svenska banker : Båda sidor av myntet

Boman, Karin, Sohier, Émile January 2011 (has links)
Background: The financial crisis of 2007-2010 had a massive impact on the financial markets worldwide. The crisis was partly blamed on the credit derivatives collateralized debt obligations and credit default swaps. These instruments were used to create leverage and speculation, which led to uncertainty in the financial system worldwide. There has been no recent documentation of how credit derivatives are used in Swedish banks, and what risks and opportunities they bring along. Purpose: The purpose of this thesis is to describe the use of credit derivatives in Swedish banks, what benefits and risks they may generate and how the recent financial crisis has affected their use. Research Method: This is a qualitative multiple case study which uses an inductive approach. The study covers four cases, three of the largest Swedish commercial banks, and a bank that specializes on international financing. Seven people working in different fields in these banks have been interviewed. Conclusions: Credit derivatives are mostly used for hedging in Swedish banks, which mainly involves the use of credit default swaps, and sometimes iTraxx. Purely speculative trades are rare. The risks that arise are mainly due to lack of transparency in OTC trading, and abusive use of these instruments. Credit derivatives greatly facilitate risk management in banks. Regulations have increased since the financial crisis and the demand for more complex products greatly decreased.
6

För vem är de svenska storbankernas hållbarhetsredovisning mest relevant? : En kvalitativ tvärsnittsstudie med utgångspunkt från 2012 års separata hållbarhetsredovisningar / For whom is the major Swedish banks sustainability reports most relevant? : A qualitative cross sectional study based on the separate sustainability reports relating to 2012

Samuelsson, Malin, Nordenstam, Inga January 2013 (has links)
2013 är det första året samtliga fyra svenska storbanker frivilligt väljer att upprätta separata hållbarhetsredovisningar. Syftet med denna uppsats är att undersöka för vilka intressenter de svenska storbankernas hållbarhetsredovisningar som avser 2012, är mest relevanta. Studiens empiri består av en kvalitativ tvärsnittsstudie som utvärderar respektive hållbarhetsredovisning och sammanfattningsvis ger en helhetsbild av fenomenet. Empirin analyseras med stöd från teorier och forskningsstudier med koppling till hållbarhetsredovisning. Studiens analys resulterar i en slutsats som visar att storbankernas hållbarhetsredovisningar är mest relevanta för storbankernas egennytta i form av ett strategiverktyg som samtidigt belyser företagsandan. / 2013 is the first year that all four major Swedish banks voluntarily choose to establish separate sustainability reports. The purpose of this study is to find out for whom the major Swedish banks sustainability reports, relating to 2012, is most relevant. The empirical part consists of a qualitative cross-sectional study evaluating each sustainability report and in summary shows an overall picture of the phenomenon. The empirical data are analyzed with support from theories and research studies related to the subject sustainability reports. The analysis results in a conclusion that indicates that sustainability reports are most relevant to the major banks self-interest as a management tool that enhance corporate culture.
7

How the Swedish banks took over the financial system in the Baltic States : A study about what factors impacted the internationalization process of Swedish banks to the Baltic States

Gharib, Ireen, Murseli, Shkodran January 2016 (has links)
The purpose of this thesis is to gain deeper knowledge on what factors impacted the internationalization process of Swedish banks. By distinguishing the factors the goal is to increase the understanding and awareness of the effect of these factors can have on foreign banks or financial institutions when internationalizing to a transition economy. To be able to create a wider perspective the study has been conducted through a qualitative method and an abductive research approach. We have been able to collect primary data by conducting interviews with the banks that have been a part of this multiple case study. In order to develop an understanding and to be able to fulfil our purpose with the thesis the main research question is formulated as follows: What factors have impacted the internationalization of Swedish banks to the Baltic market?   The theoretical review includes previous research and theories related to internationalization, business environment and factors that can impact the internationalization process. The methodology chapter explains the approach, method and design we have used. The empirical data and the theoretical framework are discussed in order to find out what drove the banks to the internationalization.   The analysis will describe how the banks have internationalized, why the banks chose one specific market in the beginning and the reason to why the internationalization occurred in the first place.   The conclusion shows that the most important factor of the internationalization to the Baltic countries was because of the change in the governmental and economical structure. The factors that affect the choice of country is also significant, with the reason to see which country was most developed during the time the Swedish banks entered the market.
8

The effects of regulations on risk management within the Swedish Banking Sector

Parfenova, Alina, Karlsson, Lena January 2016 (has links)
This research shed the light on regulations and their effects on operational risk management within the Swedish Swedish Banking Sector. The focus lies on operational risk management due to the introduction of new regulations such as FFFS 2014:1, FFFS 2014:4 and FFFS 2014:5. What could be found in the empirical analysis is that the regulations affected organizational changes.  Additionally, differences between large and small banks could be seen. All changes in terms of implementation of regulations are strongly performed throughout the Three Lines of Defence model where clear organization structure and work description are of importance. The Three Lines of Defence is tightly combined with the COSO framework and operational risk management to conduct compliant organization that is adaptable for any regulatory changes.
9

Storbankernas digitala kundrelationer : - en kvalitativ studie om digitaliseringens påverkan på kundrelationer inom banksektorn

Finnhult, Emma, Fernholm, Emelie January 2021 (has links)
Title: The major banks digital customer relationships - a qualitative study of the impact of  digitalization on customer relationships in the banking sector.  Author: Emelie Fernholm and Emma Finnhult.  Keywords: Swedish banks, digitalization in the banking sector, digital customer relationships.  Aim: The aim of this study is to describe how banking clerks experience the impact of digitalization on customer relationships. Furthermore, the study aims to investigate whether the older generation has been affected harder by increased digitalization in the banking sector comparison with the younger generation and whether video chats is a successful complement to other digital channels to include more senses in customer conversation.  Theoretical reference frame: The theoretical frame of reference consists of the subject areas digitalization, digitalization in the banking sector, generations, customer relationships, customer loyalty and asymmetric information flows. The theory further presents several models. These models describe the impact of digitalization on the business, various relationship programs to create a good relationship with the customer and an alternative database for evaluating customer relationships. The theory chapter ends with an “understanding model” that connects the entire theoretical frame of reference.  Method: This study is based on a qualitative research method. Eight bank clerks have been interviewed from Sweden's major banks in a small municipality, a medium-sized municipality and a large municipality. The answers have been analyzed with the help of an intra- and interval analysis.  Conclusion: The theoretical frame of reference and the empirical material have finally resulted in four conclusions. The study shows that bank clerks customer relationships have been affected more positive than negative as a result of increased digitalization, that long-term customer relations have not become less important in Sweden's major banks as a result of increased digitalization, the problem that the older generation is affected by digitalization is explained much worse in the theoretical frame of reference compared to what bank clerks believe and video chats is a good complement to other digital channels to include more senses in the customer conversation.
10

Miljoner på spel : Hur svenska storbanker arbetar med intern kontroll för att förhindra, upptäcka och åtgärda individuell yrkesbaserad ekonomisk brottslighet. / Millions at risk : How internal white collar crime can be prevented, detected and adjusted by the internal control in Swedish universal banks.

Ekengren, Malin, Joona, Nikolina January 2012 (has links)
Bakgrund: Under senare år har skandaler inom svenska banker uppmärksammats. Det har senare visat sig att många skandaler har uppkommit till följd av brister inom den interna kontrollen. Samtidigt har antalet interna brott som begås på grund av en svag intern kontroll ökat trots att flera noterade bolag har ökat sina investeringar i den interna kontrollen. Banker har en viktig roll i samhället men den interna kontrollens betydelse för att motverka individuell yrkesbaserad ekonomisk brottslighet inom svenska storbanker är inte särskilt utredd. Syfte: Studien ämnar bidra med en förståelse för hur intern yrkesbaserad ekonomisk brottslighet motverkas med de svenska storbankernas interna kontroll med hänvisning till Internal Control – Integrated Framework och Three Lines of Defence. Vidare ämnar studien utreda om orsaker bakom individuell yrkesbaserad ekonomisk brottslighet är kända hos de svenska storbankerna samt om denna kännedom ser olika ut inom organisationerna. Slutligen syftar studien att diskutera eventuella förbättringsområden som upptäckts. Metod: Studien innefattar en kvalitativ del som består av intervjuer med personer som innehar god kännedom om intern kontroll. Även en kvantitativ del ingår i studien i form av enkäter som distribuerats till kontorschefer. Teori och empiri har kontinuerligt utvärderats och anpassats vilket innebär att ett iterativt synsätt har använts i studien. Resultat: Studien har visat att de svenska storbankerna byggt ut och kompletterat de modeller som syftet omfattar. Även indikationer på problemområden inom tillämpandet av Three Lines of Defence har uppmärksammats. Vidare har studien visat att bakomliggande orsaker till individuell yrkesbaserad ekonomisk brottslighet är mindre kända på en lägre organisatorisk nivå inom bankerna. Slutligen har ett antal förbättringsområden inom studiens ramar identifierats. De omfattar främst (1) att medarbetare i större utsträckning skall förstå syftet med den interna kontrollen och (2) att några kontrollaktiviteter har god utvecklingspotential inom bankerna. / Background: Scandals within Swedish banks have been observed during the past years. Many of these have occurred as a consequence of defaults in the internal control. Simultaneously many internal white collar crimes have been committed as a consequence of weak internal control, even though public companies have increased their investments in their internal control. Banks have an important role in society; still the importance of the internal control to counteract internal white collar crime towards Swedish banks is yet to be unraveled. Aim: The study aim to contribute to an understanding of how internal white collar crime within universal banks can be counteracted by means of the internal control, within Internal Control – Integrated Framework and Three Lines of Defence. The purpose is further to investigate if causes to internal white collar crime are well-known among the universal banks at different organizational levels. The study is also aiming to discuss potential improvements that have been identified. Implementation: Both qualitative and quantitative strategies have been used. The qualitative strategy has included interviews with persons who have intimate knowledge of internal control. The quantitative strategy has included a questionnaire that was distributed to chiefs of retail departments. The study is iterative since theory and empirics have been evaluated and adjusted on a regularly basis. Result: The universal banks have made supplements to those models that the study comprehends and there are some problem areas within the use of Three Lines of Defence. Further, the study has revealed that causes to internal white collar crime are less known at a lower organizational level. A few areas that can be improved have been identified. Those of most importance are; (1) the purpose of the internal control must be better understood of employees and (2) some control activities have development potential.Search terms: Internal control, COSO, Three Lines of Defence, the four largest Swedish banks, white collar crime.

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