Att ha en fungerande kommunikation mellan kund och bolag är viktigt för att en verksamhet ska kunna fungera. Genom kommunikation byggs även lojalitet där kunderna återkommer i framtiden och blir därigenom mer lönsamma för ett bolag. De förändringar inom IT som ägt rum i samhället har förändrat den kommunikation som finns mellan kund och bolag, inte minst inom banksektorn där kunder numera kan utföra nästintill alla ärenden online. Då den personliga relationen mellan personal och kund minskar är det svårt att upprätthålla nivån av lojala kunder. De flesta större aktörer inom bank- och försäkringsbranschen har, för att skapa lojala kunder, i olika utsträckning infört så kallade helkundskoncept där målet är att få en kund att samla alla sina tjänster i samma bolag.De två övergripande frågorna som behandlas i denna uppsats är dels hur arbetet med helkundskoncept har förändrats i och med ökat IT-användande och dels om helkundskonceptet kan bidra till att öka kundernas lojalitet gentemot det undersökta bolaget och dess varumärke.Syftet med uppsatsen är att undersöka hur den ökade användandet av IT påverkat det valda företaget samt hur arbete med helkundskonceptet utvecklats över tid och vad det har inneburit för såväl kunder som företag.Den teoretiska bakgrunden behandlar ämnen som varumärkens funktioner, marknads- och kundkommunikation, återkoppling från kunder samt lojalitetsbegreppet.

Bakgrund: Företag utan vinst, historia och jämförelseobjekt är svåra att värdera med traditionella värderingsmetoder. Debatten kring detta problem har den senaste tiden varit livlig, inte minst gällande internetföretag. Syfte: Identifiera de mekanismer som i huvudsak påverkar marknadens aktörers värdering av förhoppningsföretag, samt förklara hur mekanismerna påverkar aktörernas värdering. Avgränsningar: Vi studerar inte hur mekanismerna rankas av aktörerna eller hur vi ska kunna fastställa hur mycket de påverkar värdet på företaget. Genomförande: Intervjuer har förts med fem professionella aktörer.

Real estate managers work in a hard branch with big competition and skeptical customers. For most people, buying a property is the biggest private purchase of their lives. This puts a big pressure on the real estate agent to make the process run smooth. But how does the customer know which real estate manager to choose? We have researched what effect the real estate managers clothing has on the customers? first impression and how clothing affects customers? choice of real estate agents.To answer our questions we´ve done 13 projective interviews with ten customers and three real estate agents, where we showed four pictures with the same person dressed in different styles.

I have chosen in this work to examine which factors are affecting the artificially creation of a tree cavity containing decomposed wood. The purpose of the work is to find out which factors are affecting the most when a tree cavity is created, and to apply these results when you artificially try to create a tree cavity. The need to create tree cavities comes from the situation where many tree cavity living beetles finds themselves today. When existing trees are to pass out there will be no suitable inheritors yet. The work was initially to focus on cavities created from cut branches.

In this master thesis we are trying to investigate whether the heads of the four major Swedish banks are receiving compensation because of their own performance. We have investigated a number of parameters in the reporting and compensation description of Handelsbanken, Nordea, SEB and Swedbank and compared it to macro data.We have used publicly available information from the banks as well as macro data from 1998 to 2009.We have come to the conclusion that the revenue and profits of the banks are heavily influenced by external factors and that there does not appear to be a clear link between a CEOs actions, the reported results for the bank, the shareholder gains and the compensation for the CEO. It appears as if the bonus payments to a CEO may depend more on parameters beyond the CEOs own control than the performance of the CEO..

ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

Denna uppsats studerar huruvida internationell diversifiering medför några vinster gentemot att följa en inhemsk strategi. Genom analys av dels sverigefonder och dels globalfonder slås det fast att så är fallet. En internationell strategi medför en lägre risk än en sverigekoncentrerad. Uppsatsen undersöker också fenomenet Home Bias, d.v.s. den snedvridning som innebär att en allt för stor andel av kapitalet placeras i hemlandet.

Uppsatsen handlar om hur callcenter inom banksektorn skapades, hur de ser ut idag och hur framtiden ter sig. De företag vars callcenter studeras är: Föreningssparbanken, Handelsbanken, Nordea och SEB. Metoden är för studien är induktiv och kvalitativ. För att inhämta empiri och vi använt oss utav en kombination av semistrukturerade/ostrukturerade intervjuer. De teoretiska källor vi har använt oss utav är till exempel Mintzberg och Morgan..

I detta examensarbete har jag undersökt förmågan hos nautiker att ta fram och tillgodogöra sig information från radar och ARPA för sitt beslutsunderlag i trafiksituationer. Syftet var att få förståelse i om fartygsbefäl haft svårigheter att få fram denna mycket relevanta information. Detta gjordes med hjälp av förstudier i form av intervjuer med erfarna fartygsbefäl. Dessa intervjuer gav kriterier som möjliggjorde analyseringen av 13 olycksfallsrapporter, vilket utgjorde litteraturstudien. Dessa rapporter var författade av engelska Department of Transport, Marine Investigation Branch(MAIB), Statenshaverikommission(SHK) och  Sjöfartsverkets rapportserie(SjöfR).

The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

This study has been performed at a smaller high school and with its industry students, the high school is located in a small industrial community. The purpose of my study has been to find out what students think about their work with the project work, what they think has been positive and negative, how their motivation is influenced by the work on the project and if the work has been affected by factors outside the school world.The interviews have been carried out like normal conversation with open questions. The students who participated in the study comes from the school where I did my internship. The selection was done by asking all students from a specific course, those who were positive to participate are also the ones I have chosen to interview. My main study results, in summary, described as the students, once they were inside their work were positive to the project work and felt motivated in their work. Negative experiences, for the students which attend a practical program, has mainly been economic, as the school does not provide any financial support.

The purpose of this thesis is to investigate if there is a risk that Sweden will go in to crises at the house market and in the bank sector. The Swedish house prices have in the last years growth very high and quickly and are now over the development in the beginning of 1990. The method I use to investigate this is a multiple regression model. I follow a regression that both OECD and the Swedish Riksbank use. The difference between my analyse and theirs is that we use different periods..

More relevant price comparisons between groceries are possible. This study points outone possible path through an example. The purpose of this approach is to develop amodel in a realistic context. The main assumption behind the proposed model is thatprice always has to be compared to quality. The model (algorithm) starts with a basketwith the cheapest goods.

Agricultural drainage ditches are links between fields, lakes and oceans, having the potential to transport e.g. sediment and nutrients. When in a good condition, drainage ditches can act as sinks for e.g. phosphorus and sediments and prevent eutrophication downstream. The aim of this study was to determine the condition of one agricultural drainage ditch and to come up with suggestions for appropriate measures. The aim was also to determine which of the ditch?s properties that were possible to evaluate visually, which processes they represented as well as which properties required complementary physical analysis. This in order to contribute to the work of developing a method for determining the status/condition of agricultural drainage ditches.

During recent years, financial innovation has given rise to numerous structured investment opportunities aimed towards the general public. These have enabled private investors to engage in high-risk investments offering as much as 400 per cent leverage while oftentimes not fully having grasped the risk involved. The issuers of these securities have been criticized for using advertising of a too aggressive and misleading nature.By presenting 819 potential investors with two different investment opportunities yielding the same return over a six day period, we have aimed to assess whether the inclination of being affected by judegmental heuristics varies with factors such as knowledge, overall attitude towards the asset class, risk appetite and experience from previous investments.We have observed that investors' perception of the attractiveness of an investment can be distorted by altering the information presented to the investor. However, our findings show that this tendency decreases with an increased level of knowledge, experience and risk appetite..