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819 Uppsatser om Commercial banks - Sida 41 av 55
Marknaden för skogsvårdstjänster : en undersökning bland privata markägare inom en region i Värmland
This work broadly illuminates the conditions for increasing the commissions of forestry services within the whole, or parts of, the western regions of Stora Enso?s operating area. Through a questionnaire, a survey was made examining whether the owners of the forests themselves do the forestry on their woodlands. This foremost concerns the pre-commercial thinning, but also planting and soil scarification. The survey also shows who are buying the most part of their forestry services and who are carrying it out themselves.
Missnöjeshantering i banker : En fallstudie av Sala Sparbank
Titel: Missnöjeshantering i banker - En fallstudie av Sala SparbankSeminariedatum: 19 januari, 2012Institution: Akademin för hållbar samhälls- och teknikutveckling, Mälardalens HögskolaNivå: Magisteruppsats i företagsekonomi, 15 hpFörfattare: Odhiambo Opee och Charlotte SkinnarHandledare: Carl G ThunmanNyckelord: Klagomål, banker, missnöje, Word-of-Mouth, Sala SparbankSyfte: Syftet med denna uppsats är att beskriva missnöjeshantering hos Sala Sparbank. Uppsatsen undersöker hur studieobjektets missnöjeshantering överensstämmer med en egenutvecklad modell för missnöjeshantering. Resultatet av uppsatsen förväntas utmynna i en reviderad modell för missnöjeshantering samt att utreda om Sala Sparbank kan förbättra sin missnöjeshantering.Metod: En egen modell utvecklades utifrån den teori som samlats genom litteratursökning i artiklar, böcker och olika internetsidor. Modellen och teorin låg sedan till grund för de tre fokusgruppintervjuer som genomfördes. Resultatet bearbetades genom ?klipp och klistra? metoden och analyserades sedan utifrån modellen.
Den övertygande reklamen? : En analys av Pripps Blå och Norrlands Gulds reklambilder
Modern societies are generally becoming increasingly capitalist in nature and economies of these societies are thus likely to become more focused on consumer consumption. Advertising plays a vital role in contemporary society where we, as consumers and citizens, are surrounded by it everywhere we look and everywhere we go. This puts pressure on advertisers to become more creative and to explore new ways of marketing their products and services in an already saturated environment. We believe that the added pressure and the already established role of marketing in society make advertisements an interesting and telling object for analysis. This is particularly the case with regards to the concept of selling and marketing products that have qualities that are known to be less than beneficial for our health.This paper analyzes four commercial advertisements marketing beer; a product that we argue has qualities that can be seen as potentially bad for the health of individuals and for societies.
Storbankernas kreditprocess efter finansiella kriser : En undersökning av åtgärderna som gjorts i storbankernas kreditprocesser efter en finanskris
Bakgrund och problemdiskussion: Bankkrisen under 1990-talet och den globala krisen mellan 2007 -2009 har kommit som en kalldusch för de svenska storbankerna, Handelsbanken, Nordea, SEB och Swedbank, vilket har lett till betydande kreditförluster. Kreditförluster är den vanligaste orsaken till bankernas ekonomiska problem vid en finansiell kris då återbetalningsförmågan hos kredittagare försämras, samtidigt som det talar för att finansiella kriser är ett återkommande fenomen idag.Syfte: Syftet med detta examensarbete är att se vilka åtgärder i kreditprocessen som gjorts efter finanskriserna i de fyra svenska storbankerna samt även se hur tidigare gjorda åtgärder stod sig under den senaste krisen. Vår ambition med uppsatsen är att de resultat vi får fram ska kunna användas av bankerna i kreditprocessen så att de påverkas mindre vid framtida eventuella kriser.Metod: Uppsatsen grundar sig på en kvalitativ metod med respondenter med gedigen erfarenhet och ansvarspositioner inom storbankernas kreditprocesser och praktisk kunnighet gällande storbankernas påverkan av finansiella kriser.Slutsats: De svenska storbankernas kreditprocesser stod sig bra under den senaste globala krisen i jämförelse med bankkrisen under 1990-talet, orsaken till det är de åtgärder som gjordes i kreditprocessen efter bankkrisen inom banken. Kreditprocessen har under de senaste 20 åren gått från en delvis oprövad och snabb kreditprocess till att idag vara en mer sofistikerad och tungarbetad kreditprocess som ställer högre och strängare krav på kredittagarna. För att få kreditprocessen helt vaccinerad mot finanskriser anser vi att det behövs mer mod och integritet hos kredithandläggare för att på bästa sätt kunna förmedla den rådande situationen på ett korrekt och snabbt sätt..
Mata inte trollen : En studie i marknadskommunikation och internetkultur
Social media provides, as many points out, new possibilities for marketing. Marketing in social media requires a two way communication, rather than the traditional marketing where the communication model is typically sender ? receiver.To create a marketing campaign that is suitable for a two way communication model has its difficulties and risks as well as its opportunities. Opportunities in the sense that the campaign can become a viral, a Word of mouth and create a Buzz, which will reach potential customers, to a bigger quantity for lower costs, with a message that will make a different impact from the types of commercial messages we are used to. Risks in the sense that the message, if not properly aimed and phrased, can be turned overnight into something that humiliates the company and possibly harm its brand.The difficulties in creating such a campaign is to create something that will catch people?s attention, discuss and forward it, while at the same time avoid getting hurt.We aim to describe the internet from a cultural context, and from that point of view explore the types of misunderstandings which often seem to happen when a corporate message is created and sent out in social media, how to avoid putting the image of a company in danger when doing this, and examine if there is ways to know how the message will be received.
Bokslutsrapporten ? ett substitut eller komplement till revisionsberättelsen?
On the 1st of November 2010, the statutory audit was abolished for small limited companies. The amendment of the abolished statutory audit includes smaller private limited companies that for two years does not exceed more than one of the two following limits: net revenue of three million kronor, total assets of one and one half million kronor and three employees. The principal rule of chapter 9 section 1 Companies Act remains that a limited company should have at least one auditor. For limited companies included of the amendment has a opportunity to choose bokslutsrapporten instead of the auditor?s report as a proof of quality of the accounting and the financial reporting.
Släng inte maten - ge bort den!
Every year, thousands tons of edible food are discarded by the grocery stores. This is food that could have gone to people that?s in need of it. In many countries, so called food banks are established in order to supply welfare organizations with this kind of food. Today there is no equivalent system existing in Sweden.
Locally valued habitats, species and sites and their significance for collaborative land use planning around Manusela National Park, Central Seram Island, Moluccas, Indonesia
When new land use policies are made, opinions of stakeholders need to be taken in account, to avoid future conflicts. The motivations of commercial enterprises are often clear and easily communicated but due to inaccessibility and language barriers the indigenous people?s perspectives and needs are harder to reveal. This study therefore aims to identify species and sites of importance for the local people in Masihulan village on Seram Island, East Indonesia. This is a first step to facilitate better integration of local people´s needs into local government decision-making processes.Researchers at the Center of International Forestry Research (CIFOR), with headquarter in Indonesia, have developed an approached called ?Multidisciplinary Landscape Assessment? that aims to assess important natural resources for local communities in tropical countries.
Implementering av "Life Cycle Management" i svensk läkemedelsindustri
It generally takes 10 to 12 years for a new drug to hit the market. The pharmaceutical industry invests huge sums in these early stages of research and development. In spite of the rapidly rising research and development expenditures fewer and fewer blockbuster drugs are being developed. Longer lead times and aggressive generic post-patent competition have narrowed the timeframe for the pharmaceutical companies to profit on their investments.In the face of these threats the pharmaceutical industry has developed a battery of strategies to prolong market exclusivity and to maximize return on investment. These emerging strategies are commonly known as Life cycle management (LCM), which actually is more of a concept than a method.
Utomkontraktuellt ansvar i avtalsförhandlingar
The starting point must be that as long as no binding agreement between negotiators has been concluded, the negotiators has no obligations towards each other. Swedish Law does, however, recognize that obligations may arise in a pre-contractual phase. Different circumstances may add liability in a pre-contractual phase. This essay is a study about what the presumptions are for the liability in a pre-contractual phase. This essay also deals with what circumstances a party can add when he will claim damages in a pre-contractual phase.
En framtida placering i Kinafond eller USA-fond? : Ett säkrare val för investeraren
To invest money in funds is increasing rapidly in popularity and one of the biggest reasons is that banks are offering a greater range of funds. Information about funds is always easy to find and it is easy to invest money in a fund because the bank takes care of all the management of the fund.The essay examines two funds from two different countries with an aim to choose the one with best potential yield. The first fund is entirely invested in North America and the second fund invests in Asia, with most of its possessions in companies from China. Both these funds invest in wellknown companies in respective region. The essay is limited to compare these funds with data from 2005 to 2009.Information was collected from Morningstar and Avanza Bank for the quantitative examination.
Clostridium difficile toxins in meat-producing guinea pigs in the highlands of Peru
The guinea pig is an important meat-producing animal in Peru as well as in several other South American countries. They are held in different kinds of systems, from the small backyard breeders with few animals to the large commercial farms with thousands of guinea pigs. One of the major issues at the farms is animals dying of unknown causes. Salmonellosis is often considered as a major cause, but samples for confirmation are rarely taken. It has been known for a long time that Clostridium difficile (C.
Hans Alséns arkiv 1986 - 1992 : Att ordna och förteckna en landshövdings handlingar
Hans Olof Alsén, born 16 august 1926, is a Swedish Social Democrat politician who served as the County Governor of Uppsala from 1986 to 1992. During the 1960s, -70s and -80s he had several political commissions including Member of Parliament and government Undersecretary. In addition he had numerous Board of Directors assignments in different business corporations as well as in non commercial associations both prior to, during and after the County Governor period.This paper describes the organizing and cataloguing of Hans Alsén's personal archives. The documents at hand were deposited at the regional state archives (Landsarkivet) in Uppsala in 2008 and 2009 by Alsén himself. The documents almost exclusively cover the County Governor years 1986-1992.
Vandrarhemmet Gamla Gefle : Investering eller ej?
Purpose:The background to this study is an upcoming sale of a property. Owner of the property is currently city of Gävle and tenant is Jan Ekroth who runs the hostel Gamla Gefle in the buildings belonging to the property. The purpose of this study is to investigate whether Gamla Gefle AB has the financial ability to acquire the property and if it can be defended in a commercial plane.Method:In this study a qualitative method has been used, in which empirical data has been gathered from interviews and financial data taken from annual reports. These empirical data have been put against our theoretical framework and led to our analysis. In the analysis, cash flows and discounted future values have been calculated to determine the outcome of the investment.Results & conclusion:The study reaches the conclusion that the hostel Gamla Gefle should complete its acquisition of the property, in spite of an decrease of the annual cash flow.
Vegetationsutveckling och brandhistorik i Tyresta under 9000 år : en pollenanalytisk studie av en skvattramtallmyr i Tyresta nationalpark, Södermanland
Analyses of pollen and charcoal in peat cores, together with age-structure data of Pinus sylvestris from a Ledum-Pinus-mire in the Tyresta National Park (south-east Sweden) show the regional vegetation succession and fire history over the last 9000 years. Five major stages of mire development are identified: 1. Lake (c 7000-6400 cal BC); 2. Wet fen (c 6400-6000 cal BC); 3. Deciduous fen (c 6000 cal BC to c cal AD 700); 4.