Right now a major generational change is taking place within the banking sector. The new generation entering the labor market is often referred to as generation Y and it consists of individuals born between 1980 and 1995. Previous research has shown that the banking industry as a whole put a widespread emphasis on monetary incentives within the reward system. At the same time several studies highlight that individuals from generation Y are rather motivated by primarily non-monetary incentives.The aim of this dissertation is to explain how various monetary and non-monetary incentives affect the motivation of bank employees from generation Y. A positivistic research philosophy has been used with a deductive approach and a quantitative research method.This study indicates that bank employees from generation Y are motivated by retirement savings as well as a personal mentor or chief who draws attention to their development.

Unga utgör framtiden och är ett segment som banker vill knyta till sig. Det finns emellertid en svårighet för banker att veta hur de ska nå de unga. Denna uppsats beskriver hur unga väljer bank. Resultatet visar att unga är känsliga för familj och omgivningens påverkan, och det är det som i första hand styr deras val av bank. De har även höga krav på tekniska lösningar och det är där utvecklingen bör ske för att nå de unga..

Transfer pricing including internal loans have increased in recent years, making it easier for companies to minimize their taxable income. After the Swedish court case Diligentia, there have been discussions regarding the influence of a parent company's transparency and control of the subsidiary with regards to the interest rates on internal loans. In court cases that followed Diligentia, the Swedish Tax Agency argued that a parent company always could be assumed to have sufficient transparency and control of the operations in the subsidiary, and therefore reduce the risk on their debt obligations. This thesis seeks to analyze the effects of the transparency and control a parent company has with regards to interest rates on internal loans. The analysis is conducted by analyzing court cases similar to Diligentia.

The purpose of this thesis was to study local bank offices work with customer satisfaction. A case study concerning two local bank offices was made, the cases were based on interviews with the managers at the bank offices. The research questions that we wanted this thesis to answer was how local bank offices create customer satisfaction among small business customers, and how local bank offices assess customer satisfaction among small business customers. The study showed that local bank offices find customer satisfaction among small business customers important and use complaints as the primary source in the process of creating customer satisfaction..

Introduction: 1 November 2010  came the amendment about the audit requirement into force. The amendment concerned only micro-enterprises. The most common form offinancing for micro-enterprises are Bank loans, therefore the banks play a major role in the business and wellness of micro-enterprises.Purpose: Purpose of this paper is to examine if the credit assessment has been affected by the removal of the audit requirement for micro-enterprises.Method: This study will be conducted by a qualitative study in the form of interviews. Five interviews were conducted, with four respondents from the large banks and    one respondent from Almi Företagspartner.Conclusion: All respondents agreed that the audit is seen as a mark of quality, some lenders will continue to request it from the micro-enterprise while other lenders look at other factors such as ownership, relationship or business concept..

The aim of the study is to describe and analyze bank officials' views about what auditors will do. The main motivation comes from the government?s proposals that the audit duty will be abolished and it can lead to that bank officials in a bigger extent can influence the audit?s formulation. It can also lead to that a consumer audit becomes reality. The study covers a sample of 302 bank officials where 153 have participated through a survey questionnaire.

The first official Islamic bank was established in 1975. The characteristic of an Islamic bank is that the bank is based on an interest free system. The interest free system is a requirement for an Islamic bank. The Islamic bank system is based on Sharia laws which are laws that are followed by Muslims and it is based on the text from the Quran. The Islamic Banks had a rapid expansion between 1993 and 2003, the expansion was about 23 percent and since 2003 have the expansion been about 20 percent.

The banking industry is a fundamental part of the economy in Sweden. Despite its importance, the competition and the concentration level within the Swedish banking sector is relatively unexplored. This paper aims to examine the development of the concentration level in the Swedish banking sector during a period of ten years, 2003 to 2013. The examined banks in the study are the four largest banks in Sweden; Handelsbanken, Nordea, SEB and Swedbank, and four selected niche banks, ICA banken, Ikano Bank, Länförsäkringar Bank and Skandiabanken. In order to examine the development in percentage change, there are six selected variables; loans, deposits and borrowings (both public and households), net interest income and return on equity, which are observed during a period of ten years.

The purpose of this thesis was to investigate the communication between banks and their customers. Delimitations were made and the focus became towards upper secondary school students. The study was based on two interviews with bankers on different locations and with different stature, and a focus group consisting of eight upper secondary school students. The conclusion of the thesis was that there are certain problems in the communication between banks and upper secondary school students. The bank didn?t always communicate on the same level as the students when they presented their proposals.

The real estate industry is a sector where the companies generally have a capital structure which is high leveraged. The financing? with the related terms ? is therefore specifically of high importance for the companies in the sector. Traditionally, the way of obtain financing is by borrowing from the bank. Lately, due to new bank regulations, the banks have become more restrictive in their lending which have lead to a growth of other financing alternatives.

The financial sector is an important part of the infrastructure. As a consequence of deregulations on the financial market, several new actors have entered the market. This has made it even more important for banks to identify the factors that are decisive when customers chose a bank. The purpose of this thesis was to clarify which factors that are decisive to students choice of bank. A survey was performed among students at Luleå University of Technology.

Uppsatsen är en kvantitativ studie om varför bankkunder inte byter bank och vad som skulle kunna öka rörligheten på bankmarknaden. Syftet med uppsatsen är att undersöka de bakomliggande faktorerna som ligger till grund för valet att byta eller inte byta bank. Med utgångspunkt i de teoretiska delarna, tjänstekvalitet, relationsband, kundlojalitet, byteshinder och bytesbeteende har en modell skapats för att studera valet att byta bank eller inte. Efter att ha genomfört en enkätstudie presenteras undersökningens reslutat i form av korstabeller och diagram. Olika faktorer som påverkar bankkunders val av bankbyte identifierades.

Since Muhammad Yunus, founder of the microloansorganization Grameen Bank, was awardedthe Nobel Peace Prize in 2006, the microloansorganization has received much attention. Thewoman has come to play a central role in the microloansorganizations. Her access to capital isis considered to improve her socioeconomic status. The overall aim of the paper is to examinehow access to microcredit considered leading to empowerment of women. To get an idea ofwhat a microloansorganization is the Grameen Bank is used as an example.

The bank market for farmers in Sweden is dominated by Swedbank and Landshypotek. One of the most aggressive challengers is Länsförsäkringar Bank, which in 2009 had seven per cent of the Swedish bank market for farmers, but 57 per cent of all new lending. This paper deals with the problem of new banks to break into the bank market where farmers are slow in terms of change in their attitudes and loyal to their banks. The study has been carried out in cooperation with Länsförsäkringar Gävleborg which is a new actor in the banking market and thus eager to take part in the outcome of the study. This essay thus seeks to examine the attitudes farmers have against bank switching and the factors that influence their choice of bank.

Bankerna strävar efter att med tjänsten bank via Internet erbjuda bättre kundservice och bekvämlighet i en säker elektronisk miljö. Bankerna ser den möjlighet som Internet utgör som en ersättning, inte bara som ett alternativ åt någon av deras traditionella tjänster. Varför används tjänsten bank via Intenet endast i en begränsad utsträckning hos privatpersoner?En intervju av bankkunder tar fram privatpersoners viktigaste orsaker till att inte använda bankernas Internettjänster. Resultatet av den undersökningen jämförs med en liknande undersökning från Australien.Viktiga orsaker till att inte använda bank via Internet: bankkunder saknar tillgång till Internet, de tycker traditionellt tillvägagångssätt är tillräckligt bra, de är osäkra på säkerheten, de känner inte till servicen och fördelarna tillräckligt eller de vill ha den personliga kontakten med bankpersonalen..