Climate change is expected to increase the frequency and intensity of extreme weather events, with significantimplications for the financial stability of insurance markets. This study analyses how nature-related insurancepayouts and required solvency capital may develop over the period 2025?2099 under three emissions scenarios: RCP 2.6, RCP 4.5 and RCP 8.5, and what this means for the long-term sustainability of insurance as an economic institution. Using Monte Carlo simulation of a non-homogeneous Cram?r-Lundberg model, claimfrequency is modelled as a negative binomial process calibrated against SMHI's climate projections, and claimsizes are approximated by a lognormal distribution fitted to Swedish insurance data (NATY, 2015?2023).The results show that accumulated insurance payouts amount to SEK 96.7 billion under RCP 2.6, SEK 106.0billion under RCP 4.5 and SEK 131.9 billion under RCP 8.5.

Climate change is expected to increase the frequency and intensity of extreme weather events, with significantimplications for the financial stability of insurance markets. This study analyses how nature-related insurancepayouts and required solvency capital may develop over the period 2025?2099 under three emissions scenarios: RCP 2.6, RCP 4.5 and RCP 8.5, and what this means for the long-term sustainability of insurance as an economic institution. Using Monte Carlo simulation of a non-homogeneous Cram?r-Lundberg model, claimfrequency is modelled as a negative binomial process calibrated against SMHI's climate projections, and claimsizes are approximated by a lognormal distribution fitted to Swedish insurance data (NATY, 2015?2023).The results show that accumulated insurance payouts amount to SEK 96.7 billion under RCP 2.6, SEK 106.0billion under RCP 4.5 and SEK 131.9 billion under RCP 8.5.

This master of economics paper discuss that the globalization has lead to increasing internationalization among small Swedish IT- companies in the service sector. Sweden has a long history of foreign trade but in the beginning of the industrialization only large companies that produced goods answered for the foreign trade. Before, the Swedish companies begun their operations abroad in fairly nearby markets and only gradually penetrated far-flung countries. Now this is no longer possible. When small companies nowadays seek growth in other countries there is no time internationalize with the same approaches as before, especially when the company offers a service.

This project have been made whit Krima Rostfritt AB. They manufacture a number if different add on products for trucks and now wants to develop there locket were the hatch opens upwards after requests from customers. The costumers have requested a pneumatic opening to make the opening procedure easier.Krima has there biggest markets in Sweden and Norway, because of that the locket has to meet whit the regulations of these countries. The locket also has to meet the demands that Krima has determined from experience to maintain there high standard.The project has resulted in a solution where the locket and cylinder are linked whit a strut. This solution was the one best suited for the task and the one that Krima preferred..

The purpose of this thesis is to study how Swedish independent record labels, or indie labels, fared on the Japanese market. The research questions were based on how Swedish independent record labels establish themselves on the Japanese market and how the cultural differences between the nations affect the business relationship. It was decided to execute a case study on two Swedish independent record labels and the Swedish export council for music. The ones chosen as study objects were B & B Records, Razzia Records and Export Music Sweden. The conclusions were that the indie labels need to understand the importance of personal business relationships when trying to get established on the Japanese market.

This study is investigating what conditions can strengthen an alliance and which obstacles there are. Coercion aspects can also influence an alliance and are therefore also written about. The asymmetrical relationship between the social worker and the juvenile delinquent is investigated also with in regards to the tacit and explicit coercion when they are entering care. The study is focusing on the consequence/influence programs that the juvenile delinquents can be sentenced to because of their crimes. Counseling is a major part in these programs.

Today, Sweden has about forty companies owned by the government. These are active on markets with variable competition. Some have been given special areas of responsibility that in a practical notion make them monopolists. The period when most public companies where formed (and with that the following subjection to competition) during the nineties and early 2000's, forced the formerly protected businesses to act on the terms of the open market. Parallel to this development the brand has for the last twenty years evolved into something great strategic importance for the business, including the business-to-businesses (B2B).

In this essay the authors are trying to level the success in the IT-company Apple?s market communication. The problem investigated is if the company?s profile, the picture they are trying to implement onto the market, is the same as the market consider the image of the company to be. The problem is studied in a method which combines both a qualitative and a quantitative survey.

Customer service has traditionally consisted of telephone, mail, and later on chat.But the entry of social media has changed the way companies exercise customerservice. Companies should ask themselves whether the same type of traditionalcommunication may or may not function in a new channel and thus whether itcan be applied to social media.The purpose of this study is to describe the companies? use of customer servicein social media and how the communication differentiates from thecommunication in traditional customer service, and also to define the effect onthe customers? relationship to the company. To reach our conclusions we havecombined theoretical references with qualitative interviews.By our analysis, we found that the communication in social media expandsthe possibilities. By entering an unfamiliar channel, customer service has hadto adapt themselves and their language.

The Swedish food retail market contains of three major actors, ICA, KF and Axfood, all in all dominating 75 percent of the total market shares. The scant number of retailing actors indicates that the Swedish food retail market is a highly concentrated oligopoly, which as a fact has given rise to definite discussions and argumentations concerning the market situation. But is the food retail market imperfect and how do we reach a workable competition? Economic theory does not provide any clear answer on these questions, but is rather divided into two fundamentally different approaches to define competition: the static and the dynamic perspective on competition. In an attempt to examine the competition on local Swedish retail markets, the purpose of this study is to carry out an econometric model estimating the situation.

Kevin Roberts has extended the comprehension of strong consumer brands to a higher level where loyalty beyond reason is established. He calls this new status Lovemarks. As the concept of Lovemark has only been applied in B2C markets, this thesis is directed to find out the applicability of Lovemarks in B2B context. In order to fulfill the research purpose, three main questions are answered based on a cross-sectional research approach: What role do intangible factors play in B2B branding? Is the idea of B2C Lovemarks transferable to B2B context? How should a B2B Lovemark be characterized? The results of the qualitative interviews indicate insights of high investment and involvement, integrated brand communication, balance between function versus emotion, brand?s trustworthy personality, customer partnership, and finally, the potential establishment of B2B Lovemarks.

Theability to beat the market is one of the most discussed topics in finance. Thereare very few investors that manage to accomplish this over longer periods oftime. Most of the financial research claims that this is impossible unless theinvestor increase the risk in the portfolio. However numerous of researchershave shown that it exist anomalies on the stock market which either indicatesthat the Capital Asset Pricing Modell (CAPM) or Fama and French three-factormodel fails to explain stock returns or that the market is not fully efficient.One investor that has claimed that the stock market is not fully efficient andthat it is possible to generate abnormal return is Benjamin Graham. Graham isone of the legends on Wall Street and he has shown that by using few variablesbased on public information, one can manage to beat the market over longer timeperiods.There arejust a few studies that have tested Graham?s criteria?s, however all of themindicates that they work but that the standard deviation might be higher forthe portfolios.

Background: The reasons why this study is conducted is because of the latest recession in the global economy. The current recession has made a lot of companies more aware of its cost, and in order to fit the new harsher economic climate the companies has to be more cost efficient. In order to do so many companies choose to reduce their amount of employees. When this happens in a recession, most of the layoffs are an effect of reactive causes, such as lower incoming orders, and fewer customers. This leads to a problem for the companies that don?t know how these kinds of layoffs will affect the value of the company?s stock.

The aim of this thesis is to study a job-searching process and elements that affects it. The elements I have focused on are gender, class and social network. The study is based on interviews and a survey study with students from the educational program of Social work (Socialomsorgsutbildningen), that graduated 3 years ago. Through the survey I have examined their social-background and their job-searching process. The interviews are the main focus in the study.

Trading based on technical analysis has its roots in the U.S. financial industry where it has long been common practice, in Sweden however the trading style has not had the same impact. Based on the results from the preliminary study we believe this is about to change and that the topic therefore requires further studying. Several online stockbrokers today provide information and tools for technical analysis to their clients. As the list of indicators to use for creating strategies is so immense it is interesting for an investor to know what actually could be the basis for a profitable investment strategy.