ABSTRACTInternet use in Sweden is among the highest in Europe. The increased availability and use of the Internet has changed people's behavior patterns. This, in turn, has made many companies choose to offer their products and services online. This means that there is less personal contact and that customer relations can be described as having gone from face-to-face to face-to-screen. Swedish banks have come a long way in terms of adapting its operations to customers? demand in a global environment that is digitizing at a rapid pace.

Environmental impact and management of energy is a highly topical issue in today's society. Climate impact must be reduced. The Government has set a target to reduce energy consumption in buildings by 20 % by 2020 and 50 % by 2050 compared to the energy use in 1995.With this in mind, we chose to examine how property owners can work on improving energy efficiency in existing apartment buildings. We also wanted to investigate profitability of different increasing energy efficiency measures and the calculation methods and the risk assessment performed by such investments. To tie in with government objectives, we also saw the possibilities of achieving these goals.20 companies were interviewed, of which 14 were property owners and 6 were consulting firms that works with energy efficiency.

Syftet med denna studie är att visa på hur två olika paradigmskiften inom Världsbanken påverkat dess policy..

The Swedish retail business has been characterized by a small number of ruling distributors. These distributors have been affected negatively by the internationalization which has made it possible for international distributors to establish their stores in the Swedish market. These international distributors are focused on low price stores. Their establishment on the Swedish market has led to a decrease in market shares for the Swedish distributors, which has damaged their profitability. Another change that has affected the Swedish distributors is that the behavior and needs of the customers has changed.

This is a study, the purpose of which is to investigate how the construction company Sefab Bygg AB is able to increase its profitability and render a more efficient production process through logistic solutions. The study is made during one of Sefab´s present projects. The project includes sanitary renovation of 650 apartments in the co-operative Opalen in Norrköping.To find out whether changes of logistic routines are profitable or not, it?s necessary to evaluate the total cost of the changes. A total cost analysis is a mapping of all the costs for a particular material, on one hand for the present situation and on the other after the change.

The purpose of this essay is to compare a theoretical strategic process model with the strategic work in a Swedish bank. The reason of the comparison was to identify which key success factors that is essential in strategic implementation processes. To make this study feasible three qualitative interviews were executed and it also presents data from a quantitative survey performed by the bank. The theory of the study examines eight different parts that needs to be looked at attentively when new strategies are formulated. The results points out that the work at large correspond, nevertheless the theoretical framework points out the importance of the business mission to impregnate the whole strategic process.

Syftet med denna studie är att bedöma besparingsskogar, allmänningsskogar samt häradsallmänningars, (i följande stycken gemensamt benämnt som allmänningar), behov av banktjänster. Samt vilka faktorer som påverkar valet av bank och skillnader mellan de olika allmänningarna och genom detta bedöma marknadspotentialen för Handelsbanken.Resultatet bygger på intervjumaterial som insamlats genom semistrukturerade intervjuer.Arbetet har avgränsats till att endast omfatta en del av det totala antalet allmänningar och omfattar bara de med störst areal, samt de två förvaltningsbolag som förvaltar ett stort antal häradsallmänningar.Resultat visar på att allmänningarna är en kund som eftersträvar långsiktighet och som väger in andra aspekter än rent ekonomiska faktorer i valet av bank. Dock gör merparten av allmänningarna med jämna mellanrum upphandlingar av de nuvarande banktjänsterna, detta för att t.ex. få förbättrade räntor och avgifter. Allmänningarna uppskattar den personliga kontakten med banken och förordar inte att personalen behöver kunna den skogliga biten, utan kräver istället en mer en bred kunskapsnivå kring allmän företagsrådgivning.

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 Swedish retail business has been characterized by a small number of ruling distributors. These distributors have been affected negatively by the internationalization which has made it possible for international distributors to establish their stores in the Swedish market. These international distributors are focused on low price stores. Their establishment on the Swedish market has led to a decrease in market shares for the Swedish distributors, which has damaged their profitability. Another change that has affected the Swedish distributors is that the behavior and needs of the customers has changed.

Despite the fact that mandatory financial auditing has been abolished for small private public companies in Sweden we still see this service being used by these firms. Earlier research, papers and published articles tend to focus on the abolishment of the mandatory audits seen from the accountant?s point of view. There has however been less emphasis on the fact that 85 percept of the companies relived from the mandatory audits still utilises this service. We think that we have found a new and until now unexplored angel on this subject, and the purpose of our study has been to explore what the Swedish bank officials and what the Swedish Tax Agency?s officials think that they have to gain from a mandatory financial audit.The scientific method used in the study is deduction due to the fact that existing theories has been used to form the hypothesis.

Bergslagens Sparbank as well as other independent(fristående) sparbanker have discoveredthat some of their customers can not separate them from Swedbank. Some customers maythus believe that they are the same bank. This study seeks factors that may contribute to thisproblem, and measures that can counteract. We refer to this problem as brand confusion andmainly have our focus on factors derived from brand alliance, but also from the companyitself and the banking industry. We use a qualitative method where we collect empirical datafrom interviews with four sparbanker.

This report is the result of an investigation of the possibility to use RFID-technology in a producing company. The investigation is focused on a flow between the company?s producing subsidiary company in Lithuania and its main facility in Sweden.RFID is the abbreviation for radiofrequency identification. The RFID-technology forms the base of a system with wireless information transmission between an object to which a transponder, also called tag, has been attached and a reader. The information is transmitted by radio waves and the system is equipped with software that can digitalise the radio waves.

The Main problem: How small-sized manufacturing companies can create and sustain a stable position in the industry, which leads to profitability.Purpose: The purpose with this essay is to compare two small-sized manufacturing companies, Datek Industrielektronik AB and AB Micatrone to study which strategical resources each company possesses. At the same time analyse if the strategical resources are to be consider as sustainable competitive advantage.Method: A case study has been implemented in two small-sized manufacturing companies. The collected primary data derives from semi-structured interviews.Theoretical framework: The theoretical framework is based on The Resource-based view where the independent variables are the VRIO-model, resource tree and external resources. The dependable variable is sustainable competitive advantage.Empirical foundation: The empirical foundation is based on the compilation of the few conducted interviews with Datek and Micatrone.Results & Conclusion: Datek and Micatrone show both similarities and differences in what creates their sustainable competitive advantage. The management of both companies creates according to the VRIO-model sustainable competitive advantage.

The Swedish retail business has been characterized by a small number of ruling distributors. These distributors have been affected negatively by the internationalization which has made it possible for international distributors to establish their stores in the Swedish market. These international distributors are focused on low price stores. Their establishment on the Swedish market has led to a decrease in market shares for the Swedish distributors, which has damaged their profitability. Another change that has affected the Swedish distributors is that the behavior and needs of the customers has changed.

Syfte: Redogöra för eventuellt användbara teorier då vi undersöker varför Handelsbanken samt Swedbank har valt att marknadsföra sig som de gör.Metod: För att uppnå vårt syfte har vi valt att ha en kvalitativ utgångspunkt i vår uppsats. Primärdata har samlats in genom personliga intervjuer med anställda på både handelsbanken samt Swedbank. Sekundärdata har samlats in från litteratur och vetenskapliga artiklar.Teoretisk referensram: Den teoretiska referensramen har byggts upp kring relevanta teorier och modeller som har anknytning till profilering av marknadsföringsstrategier.Empiri: Primärdata har samlats in genom personliga intervjuer med kontorschefer på handelsbanken och ansvarig personal för marknadsföringsavdelningen i Swedbank, alla intervjuer har genomförts i Stockholm.Resultat: Det resultat som har nåtts efter att uppsatsen har avslutats är att Handelsbanken marknadsför sig lokalt samt att Swedbank marknadsför sig genom stora kommunikationskanaler för att nå ut till alla konsumenter..