ABSTRACTTitle: Basel II ? The New Basel Capital Accord and its influence on small Swedish banks and their retail banking and risk management.Seminar: May 24th, 2007Course: FEK318 Bachelor thesis in Business Administration, 10 Swedish creditsAuthors: Mattias Kjellberg, David Uhlmann & Ivana ZubacAdvisor: Joakim WinborgKeywords: Capital cover, capital requirements, Basel II, credit giving, credit risk, risk management, retail banking, small banks, pillar 2Problem: What influence does Basel II and the new updated management of credit risks in pillar 1 and the active risk control in pillar 2 have on small Swedish banks retail banking?Purpose: Our essay seeks to explore what influence pillar 1 and the new updated management of credit risks in the new capital accord Basel II have on small Swedish banks and what influence pillar 2 have. We also want to explain if Basel II has influences on small Swedish banks credit analysis and possible effects in their risk management and pricing.Methodology: In our essay we use an inductive approach and our chosen research method is the qualitative one. We have chosen to look into four small Swedish banks, and the empirical data is obtained from telephone interviews with selected respondents from Länsförsäkringar Bank, SkandiaBanken, GE Money Bank and ICA Banken.Conclusions:? The work with credit scoring does not get influenced by Basel II if the Standardised Approach is chosen.? Banks that?ve early implemented high technological systems in the organization, that small banks normally do, have gotten an easier transition to Basel II.? Basel II will result in a risk adjusted pricing and a more fair credit market.? Internal Ratings-based Approaches is very demanding to develop, but at the same time it?s a more risk sensitive approach.? Pillar 2 results in a more sophisticated work for the small banks.? Basel II results in a further price press on residential loans in Sweden..

Cynthia Voigt is a well-known author of children?s books. She deals mainly with contemporary issues, although she also has written some fantasy. The Tillerman saga consists of 7 books. This essay deals with the first two, Homecoming and Dicey´s Song.

The aim is to develop a new decision-making model for credit-loans. The model will be specific for credit applicants of the OKQ8 bank, becauseit is based on data of earlier applicants of credit from the client (the bank). The final model is, in effect, functional enough to use informationabout a new applicant as input, and predict the outcome to either the good risk group or the bad risk group based on the applicant?s properties.The prediction may then lay the foundation for the decision to grant or deny credit loan.Because of the skewed distribution in the response variable, different sampling techniques are evaluated. These include oversampling with SMOTE, random undersampling and pure oversampling in the form of scalar weighting of the minority class.

The aim of this study is to examine the significance of having a music department at the public library in Enköping, and how the organization of the phonograms is handled. The different areas examined are the reason of the reintroduction of a music department, its budget, its users, the work with selection, the marketing, statistical data concerning loans, the work with classification, indexing, and organization of the phonograms and the future of the music department. The empirical material consists of qualitative interviews with staff connected to the music department at the public library in Enköping. For the theoretical frame, Sanna Taljas discourse analysis of music libraries in Finland is used. Talja presents three discourses which all show different views on what kind of material a music library should contain.

The purpose of this study was to gain insight into refuges experience of traumatic events such as torture, political persecution, war, natural disasters and other trauma. For the study used theories which, inter alia, deals with many of the refugees coming to Sweden is influenced by various psychological trauma and may be accompanied by torture, political persecution, war, natural disasters and other trauma. To this study, a survey with 40 participants, 17 women and 23 men. There was also an interview on the Internet with a refugees consultant within the Red Cross. The men had higher average than women in all the perceived problems.

Utvecklingen inom intelligenta hem med produkter som avser ljud och bild ga?r snabbt frama?t. Ett stort problem fo?r konsumenter a?r att veta vilka produkter som ska ko?pas fo?r att fa? de funktioner och egenskaper man a?r ute efter. Da?rfo?r ma?ste en va?gledning info?r inko?p go?ras.Fo?r att kunna go?ra en va?gledning info?r ett inko?p har en nula?gesanalys av produkter, tekniker och system gjorts.

The agricultural sector has historically seen stable prices and a relatively constant demand for its products. Companies within the sector have generally had few loans and large sums of money tied in assets. The profitability of the companies has on the other hand been low. Together these circumstances have determined the creditors? demands on the companies within the sector and have formed the rules and regulations that exist today.

The future of Christianity is something that has been, and still is, discussed all over the world. Atthe first sight it can look like this religion, that has former been so big all over Europe, isdiminishing. More and more people are leaving the church and the church-benches are very seldomfilled. In our society it is the individual that is important and the moral life is changing. But, this donot still have to be the end of Christianity, which some people believe.

Studiens syfte är att undersöka könsmönster i förskolan och pedagogers tankar kring genus, bland barn i åldern tre till fem år. Leken är viktig för barns utveckling och lärande, och förskolan ska arbeta för att motverka de traditionella könsmönster som finns i samhället. Därför är det av stor vikt att pedagoger vet hur de förhåller sig till pojkar och flickors lek. I resultatet presenteras utfallet av observationer och intervjuer gjorda på en förskola i nordöstra Skåne. Resultatet visar att pedagogerna på denna förskola tycks ha kommit långt i arbetet för att motverka traditionella könsmönster.

The purpose of this study was to gain insight into refuges experience of traumatic events such as torture, political persecution, war, natural disasters and other trauma. For the study used theories which, inter alia, deals with many of the refugees coming to Sweden is influenced by various psychological trauma and may be accompanied by torture, political persecution, war, natural disasters and other trauma. To this study, a survey with 40 participants, 17 women and 23 men. There was also an interview on the Internet with a refugees consultant within the Red Cross. The men had higher average than women in all the perceived problems.

The purpose of this thesis is to examine how the elderly people experience the food on a sheltered accommodation. We will examine nutrition in the food and if the elderly people have an influence on food they gets everyday. The aim of this study was to examine older persons? everyday experiences of food within the context of homes for the elderly. More specifically, nutrition and the personal experiences of influence concerning choice of food were examined.

The aim of this study is to describe and understand the reasons to why people choose to become foster parents. By using the theory of action we wanted to investigate their intentions rather than their motives. The questions we wanted to answer where: How do the foster parents describe their reasons for becoming a foster home? What reasons do they give fore keeping on being foster parents? How do they comprehend their task and the fulfilling of it? The study was performed by utilizing qualitative interviews with five foster parents, four women and one man. In the analysis we used the theory of action as a theoretical perspective.

Since the beginning of the new millennium, China has opened itself to the outside world and in an enormous pace increased its contacts and relationships with other countries. The trigger to these dramatic changes of economic and foreign policies is the insight that China can no longer sustain its rapid economic growth, largely based on industrial production, on energy and raw materials from China alone.Good relations with African countries have been of highest priority in China?s strategy of ?Going global?. The new African policy is based on the two principles of mutual benefit and non-interference in internal affairs ? as opposite to the West?s strategy of structural adjustment programmes (SAP), which include massive interference in internal affairs.

Bakgrund: Cancer är en sjukdom som drabbar 48 600 personer i Sverige. Av dessa väljer 50-70 % att vårdas palliativt i sitt hem. De patienter som vårdas palliativt har behov av en bra symtomlindring och god kommunikation med vårdpersonal. Syfte: Syftet med studien var att undersöka vilka behov patienter med cancer har som vårdas palliativt i hemmet. Metod: Metoden som använts var en litteraturstudie.

Cancer is one of the most common diseases and it affects not only adults but also many adolecents and children every year. Those who are affected of disease face many challenges that will affect their lives. The aim of this literature review was to illuminate adolecents experience of cancer and how it affects them in their daily living. The result showed that the adolecents experience many physical and mental side-effects from disease and treatment. They expressed the need of information, support and understanding from their families, friends, school and care givers.