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..

Sweden is going through big changes within the bank sector. Increasing card usage, decrease of cash acceptance in the society, an attempt to reduce money laundering, and a possible increase in profitability has lead to the rescindment of cash management among three of the four major banks. This has lead to a big debate in the society, a lot of frustration from customers, and a drop in customer satisfaction for every bank that started the process of removing cash management. The purpose of this study is to find out how the banks could keep their customer satisfaction when removing cash management. When doing the study, the rescindment of cash was a deduction of a part of the service, compared to the normal adding or starting of a service. The study was done through a focus group that was the base of a questionnaire that got answered by 125 respondents.

With a shifting world market and periodically profitability issues, Swedish farmers seekalternative ways to enhance their profitability. One interesting alternative to get a highervalue and enhance products is biodiesel, a way to improve the profitability on a farmscale.The diesel that is produced and sold, already have a mixture of 5% biodiesel, andthere is a possibility to add more biodiesel to it. By developing new engines severalengine-manufacturers now allow a mixture up to 100% biodiesel in their engines. Hencethere is a market for an increased production of biodiesel. The aim of this study were toinvestigate the possibilities and the problems related to farm-scale production ofbiodiesel, and to study the profit margin in the production.

Women ledaers and profitability, is there a correlation? Earlier research show different outcome on the correlation between women leaders and profitability. A Swedish consultant firm, Caran has a belief that more women leaders would create more financial profit, we ask us if that is the true situation. Using two different IC measurement methods we have shown the difficulties in calculate intagible resources, which methods that can/ can not be used and if women leders create financial value. We found the women leaders in Caran to add more value per dollar spent on the woman leaders than the value added per dollar spent on men leaders.

År 2014 uppmärksammades en liten andel kvinnor på ledande positioner på Danske BankSverige, vilket ledde till ett samarbete med Näringslivets Ledarskapsakademi. Danske BankSverige har idag en tillväxtvision att öka dagens marknadsandel från 6 % till 10 %. För attuppnå visionen insåg banken att det behövs ett klimat som kan skapa idéer kring hur måletska nås. Denna kvalitativa studie avser undersöka varför en bank väljer att användajämställdhet för att främja ett innovationsklimat och vilka förutsättningar anställda på en bankanser kunna möjliggöra att en bank når ett innovationsklimat. Det empiriska materialet harsamlats in genom semistrukturerade intervjuer.

To be able to protect themselves from credit risk, the banks must constantly check the performance of  the companies they have lent money to. There are many mathematical models for predicting financial distress. These models use accounting-based ratios, which often are historical and not representative for the present situation. This study describes how the banks do in practice to find signals of insolvency in time and the variables they are observing for doing that.In addition to financial reports which the company sends in to the bank at least once a year, also the relationship between them and information from different information  agencies are of great importance to track  signals of insolvency. Poor profitability is the primary cause of insolvency.

Women ledaers and profitability, is there a correlation? Earlier research show different outcome on the correlation between women leaders and profitability. A Swedish consultant firm, Caran has a belief that more women leaders would create more financial profit, we ask us if that is the true situation. Using two different IC measurement methods we have shown the difficulties in calculate intagible resources, which methods that can/ can not be used and if women leders create financial value. We found the women leaders in Caran to add more value per dollar spent on the woman leaders than the value added per dollar spent on men leaders.

Active ownership is widely regarded as positive for the development and performance of businesses. In this paper, we investigate the impact of ownership concentration and owner identity on return on equity (ROE) in Swedish companies between 1986 and 2008, and show that active ownership might suffer from opposing effects. We find evidence, albeit weak, that ownership concentration has a positive effect on profitability, but that it levels off at high levels of ownership shares. Furthermore, we propose that family ownership has a negative effect on profitability. Our results are dependent of choice of statistical method, but show nonetheless a need to reevaluate what seems to be a universally positive view of active ownership..

This thesis is commissioned by the Swedish electricity trading company GodEl with the purpose of evaluate solar electricity in multi-family buildings in the Stockholm region. The prices of solar panels have dropped recently due to the advances in technology, but the installation rate in Sweden remains low. It is therefore interesting to study the  profitability of solar electricity today, and if it is profitable enough to install based on profitability alone and not simply due to environmental considerations. Therefore this thesis first studies the profitability of solar panels based on a simulation of electricity production and consumption for multi-family buildings this region. The study concludes that solar electricity can be profitable in the Stockholm region under certain conditions; all of which have to be favourable for profitable solar electricity.The thesis also studies the opinion of the company's costumers concerning solar electricity.

The purpose of this thesis is to map out and investigate how the banking sector affects a customer?s willingness to change bank, and what the switching costs are for a customer when making these changes. A case study was performed through qualitative and quantitative questionnaires and interviews. The qualitative part was carried out to create hypotheses. The hypotheses was tested in a quantitative survey to be able to either accepted or rejected these them.

Date: June 10, 2011Level: Bachelor Thesis in Business Administration, 15 credits.Authors: Erica Halvarsson Caroline Lundberg Moa RydbeckSupervisor: Peter SelegårdTitle: A comparison between a traditional and a new bank ? from a leadership perspectiveProblem: The study focuses how different organizational structures and leadership styles appear in a traditional bank compared to a young bank. The questions we asked ourselves in this study is whether there is any differences?Purpose: The purpose of the study is to from a leadership perspective see if there are any differences between organizational structures, leadership and communication depending on whether it is a traditional or a new bank.Method: In this study, primary and secondary data was used to best obtain comprehensive information, which was analyzed on the basis of a set of question. In order to obtain our raw data, interviews with staff from Swedbank and IKANO bank were conducted.

The competition has increased with the establishment of the new banks and the credit institutes taking on the market, the big banks are no longer alone on the market.In speed with the increased range, have also the marketing and the recruit of new bank customers become more driven.Bank customers with lacks in the Swedish language, is a segment with potential which doesn?t get used by the banks and in turn of that the bank customers doesn?t get their needs satisfied.The purpose with this survey was to analyze if the four largest banks, Föreningssparbanken, Handelsbanken, Nordea and SEB had prepared strategies that were directed to bank customers with lacks in the Swedish language. In those cases the banks had strategies, respective measures were presented.Furthermore the bank customers with lacks in the Swedish language were studied if they experienced that the banks were using measures to satisfy their language needs in contact with the banks and presented the benefit of them.The information about the banks strategies was assembled through interviews with persons from each bank. The bank customers experience was assembled through a questionnaire survey.The result showed that the banks hade different strategies for reaching out to these customers, it was from showing understanding to multicultural offices. Half of the customers appreciated that the banks pressured themselves for them by being patient, explained the services and in some cases had staff that could several language.

Over the course of the past the agricultural sector has been characterized by radical market changes. Changing market conditions have forced owners of agricultural and forestry businesses to make further investments. This increase in investments has led to a greater need for external capital, which has increased the relationship between banks and owners of agricultural and forestry businesses. The financial sector is characterized by strong rivalry, which forces banks to create strategic positions in the financial market. Since agricultural and forestry businesses are generally seen as secure customers by banks, due to high property and land values, the competition between banks with agricultural and forestry businesses as customers has amplified.

This thesis investigates the effect of profit growth and profitability on market capitalization amongst Nordic companies during the turbulent period 1997-2005. Our results suggest that profitability have a significant impact on market capitalization for six of the nine years studied, whereas profit growth does not seem to affect market capitalization. Consequently, our results imply that the effect of other factors on share price performance may be greater than previously suggested. These findings are only partly in line with theories on corporate valuation which suggest that market capitalizations are to a great extent driven by both profit growth and capital returns, regardless of whether the stock market is particularly unstable..

Vi undersöker i denna studie en organisation, Grameen Bank, och vill på så vis upplysa om ett problem i världen. Det finns många hjälporganisationer som hjälper fattiga och utsatta länder men för att en bättre infrastruktur ska kunna etableras i u-länder krävs även nya metoder så att nya entreprenörer kan etablera sig på marknaden. Muhammad Yunus är en entreprenör, han skapade Grameen Bank i Bangladesh för att hjälpa den fattiga befolkningen att utvecklas och förbättra levnadsstandarden genom att låta dem ta mikrolån.Studiens syfte:? Undersöka hur Grameen Bankens organisation fungerar? Ta reda på Grameen Bankens syfte, mål och vision? Undersöka faktorer som påverkar Grameen Bankens effektivitet och utveckling.