Asset management in insurance companies differs from conventional asset management to the extent that respect has to be taken to both assets and the commitments the insurance company has towards its customers. A model that has proven to fit well regarding the matching of assets and liabilities is the Asset Liability Management Model (ALM model). In addition to the matching in the balance sheet, the ALM model can be used in a company's work with strategic portfolio allocation by applying it as a basis for analyzing investment strategies with expected risk and return. From this, the ALM model also becomes relevant for calculating key figures according to the legal framework Solvens II which includes laws and regulations regarding the demands on economical strength (solvens) of insurance companies.Hence, the goal of this masters thesis has been to, on behalf of Bliwa Livförsäkring, create an ALM model to support the asset management department of Bliwa in their work with defining a credible way of analyzing the future risk and return of Bliwa's asset portfolio and insurance undertakings.The ALM model generally consist of four submodels, the scenario model, the liability model, the asset model and the company model, where the scenario model often is named as the core of the ALM model. The course of action has been to develop these submodels individually, with focus on the scenario model.

Hur en verksamhet skall förbättrar sin interna styrning genom användning av kundinformation är ett omdiskuterat ämne. I studien ?Kundinformationen utvecklar den interna styrningen?. Undersöker författarna hur företag som tillämpar användningen av CRM i sin vardagliga verksamhet, har möjlighet att effektivisera för hur de skall nå sin vision. Detta möjliggjordes genom att fråga ett antal verksamheter, hur de ser på vikten av användandet av IT ? relaterade verktyg.

The aim of this essay is to examine what happens when Veronica Roths Divergent-trilogy is read with a lutheran theological pre-understanding. Using reader-response theory and lutheran theology written for and in a post-modern context, three lutheran figures of thought are presented as one way of understanding the trilogy. The conclusion is that it is possible to reveal lutheran ideas concerning justification, guilt, forgiveness, mercy and self-sacrificing love in the Divergent-story. .

Tänk om det skulle visa sig att världen kanske inte ser ut så som man fått lära sig. Tänk om livet och döden kanske inte alls fungerar så som man trodde. Hur skulle man reagera? I den här uppsatsen analyseras Birger Sjöbergs diktning ur ett idéhistoriskt perspektiv, genom religiösa motiv och aktuella livsfrågor i sekulariseringens svallvågor. I en jämförelse mellan skaldens två viktigaste lyriska perioder, den tidiga idylliska och den senare modernistiska, framträder ett utvecklingsmönster där tro blir till tvivel, tvivel blir till ångest, ångest till likgiltighet och likgiltighet till lugn..

Background: What is a share and what determines the value of a company? This is a constant issue that many in the financial world are facing. Many argue that there has been some decoupling between stock valuation and how the company in question is developing operationally after the financial crisis that the world faced during 2008-2009.Problem: It is important to distinguish between the company and the share. A company that is good and well maintained may not be worth buying only because of it. The share is judged by other elements also.

This essay examines how the author of 1 Peter exhorted Christ-believing slaves and wives in 1 Pet 2:18-3:6, a passage that invites questions about submission, questions that, in contemporary contexts, are oftentimes controversial. The essay also calls attention to the advantages and the complexities of understanding 2:18-3:6 relative to ancient Roman familial and hierarchical structures. A close exegetical analysis of the passage points out a variety of scholarly viewpoints on ?Peter?s? admonitions to slaves and wives. Following the exegetical analysis, attention is given to feminist hermeneutics and to potential uses of this biblical text in contemporary contexts.

This report describes the process of translating Russian financial information in accordance with Russian Accounting Standards to IFRS, International Financial Reporting Standards. The author describes the two regulatory frameworks and reveals a number of risk factors in the process. These risk factors may affect the reliability of figures from Russian companies. The conclusion states some recommendations on how these risk factors can be managed..

I denna uppsats undersöks skillnader i tempus mellan en engelsk populärvetenskaplig bok och dess svenska översättning, Karen Armstrongs A History of God (1993) - Historien om Gud (1995). Uppsatsen syftar dels till att upptäcka generella skillnader i användningsområden mellan engelska och svenska när det gäller specifika tempus, dels till att undersöka huruvida ändrat tempus kan innebära att den semantiska ekvivalensen rubbas. Som teoretisk modell används Reichenbachs modell för att beskriva hur tidsrelationer beskrivs i språket med hjälp av tempus. Undersökningen visar bl.a. att det finns en tendens till att dåtidstempus i den engelska källtexten ofta ersätts med presens i den svenska måltexten..

This essay examines how the author of 1 Peter exhorted Christ-believing slaves and wives in 1 Pet 2:18-3:6, a passage that invites questions about submission, questions that, in contemporary contexts, are oftentimes controversial. The essay also calls attention to the advantages and the complexities of understanding 2:18-3:6 relative to ancient Roman familial and hierarchical structures. A close exegetical analysis of the passage points out a variety of scholarly viewpoints on ?Peter?s? admonitions to slaves and wives. Following the exegetical analysis, attention is given to feminist hermeneutics and to potential uses of this biblical text in contemporary contexts.

This essay presents an examination of some aspects of an anonymous Italian fifteenth centurypainting, the Madonna in Adoration of the Christ Child with the Young John the Baptist, in theGothenborg Art Museum. My first aim is to understand its symbolic and religious content, and theother is to make an attempt at an attribution, or at least put the work in a likely environment,temporally and geographically. To the first end I analyse the image using Panofsky?s three stagemethod, and then make an iterpretation using the ?period eye? concept of Baxandall, especially froma religious viewpoit. Secondly, I try to define the style of the work mainly by analysing selectedparameters from a large number of fifteenth century Italian pictures found in the photo archive ofthe Federico Zeri Foundation website on the internet.

Caran has a strong belief that women leaders affect the financial profitability positive. Since women leaders are intangible resources it is very difficult to calculate its exact value. The authors found that one of their measurement methods can’t be used to calculate the value of women leaders. The other measurement method can calculate significance between women and men leaders and provides an index to be compared to other groups. But there is no prove that women are better creating value than their men colleagues, the figures indicate that women add more value due to their lower wages.

This report describes the process of translating Russian financial information in accordance with Russian Accounting Standards to IFRS, International Financial Reporting Standards. The author describes the two regulatory frameworks and reveals a number of risk factors in the process. These risk factors may affect the reliability of figures from Russian companies. The conclusion states some recommendations on how these risk factors can be managed..

Our purpose was to investigate if Swedish University educated social workers, living as active Christians, in any way might be influenced by Christian values. The main questions; Can Christian values be a factor in the choice of career to become a social worker? How does a personal belief in Christ impact the relationship towards the clients? Is Christian belief a support in the work? In this paper we used a qualitative method and interviewed eight persons, with a background as above, four of them employed by a church organisation and the other four working in the social sector. The result we present is that the eight Christian social workers Christian belief influenced their work very individually. How much this supported them was a choice about how official and open they wanted Christian values to be.

This report describes the process of translating Russian financial information in accordance with Russian Accounting Standards to IFRS, International Financial Reporting Standards. The author describes the two regulatory frameworks and reveals a number of risk factors in the process. These risk factors may affect the reliability of figures from Russian companies. The conclusion states some recommendations on how these risk factors can be managed..

The purpose of this work is to examine how ecotourism exists in Sweden. In order to answer this, the essay has been based on a qualitative method, which means that the authors have mainly used depth interviews for information gathering. Some of the empirical work is also done using the qualitative method, by gathering statistics, figures and scientific articles. The essay is divided into various chapters to give the essay a clear structure and for the convenience of the reader. The part that have been of most use and support for authors is the depth interviews with the interviewees.