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..

As a result of the so called ?Million Program? between the years 1965 ? 1975 the design-build contract had its breakthrough in Sweden. Since then, the contract form has become increasingly common and now holds a strong position on the Swedish market. In design-build contracts it?s usual that the design and production time is overlapping.

The health care sector Öster has the highest average absence due to short-time sickness in Örebro. It is the short-term absence that has the highest costs for the organisation, not just in money, but also in quality disturbances and administrative work. Health care sector Öster is divided into four areas with a manager for each. We have chosen to conduct our research within the special housings in area one and four, since these two had the lowest and highest short-term absences.The purpose with the research is to examine short-term absences among the health care personnel in the health care sector Öster, see what the absences depend on, and what can be done to solve the issue. We will compare the absences in the area with the highest respectively lowest short-term absences in order to see if there are any prominent differences between the two.

People in Sweden and in Europe have been traveling a lot more lately. Because of the economic boom that has been in a lot of countries people do have more money to spend. Sweden and especially Stockholm has lately become a very popular destination. Also big congresses and business meetings like to choose Stockholm for their meetings. The capital as it looks today does not have the capacity to let all those people stay at the hotels at the same time.

People in Sweden and in Europe have been traveling a lot more lately. Because of the economic boom that has been in a lot of countries people do have more money to spend. Sweden and especially Stockholm has lately become a very popular destination. Also big congresses and business meetings like to choose Stockholm for their meetings. The capital as it looks today does not have the capacity to let all those people stay at the hotels at the same time.

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.

Wind power is one of the sources of renewable energy which has to be developed further in order to lessen our dependence on non renewable sources of energy. It's mainly oil and coal which have to be replaced by green energy. Wind power is already established in many countries, for example Germany, The United States of America and Denmark but it has to be continually developed and expanded to meet the needs of the growing energy consumption in the world. During the last few years many types of small wind turbines have appeared on the market. These small wind turbines are an alternative to the big wind turbines or power generators which demand huge sums of investment money.A new target group can now buy the small wind turbines in order to cover their own usage of electricity.

In Sweden there has been a surge of interest in the films classified as pilsnerfilms, i.e. comicalfilms produced for little money in the 1930's and containing a more working class and/or ruralsetting then the so called "champagne comedies" from the same era. The concept"pilsnerfilm" is how ever a little vague and although the main focus of this paper ispilsnerfilms, it will also cover other types of comical films made in Sweden between the1930's and 1940's.This paper examines the now-existing network of people interested in these types of movies.It will do so by interviewing seven of the most prominent fans of movies made during the1930's and 1940's. Most of them are living in Stockholm. The paper discuss how through theconsumption of these types of films, a nostalgic gaze is created.

Sammanfattning Vi har i denna uppsats valt att studera hur företag arbetar med finansiering på den kinesiska marknaden. Vi har gjort detta genom att analysera dels hur etableringssättet påverkat företagens riskhantering samt hur den kinesiska politiken påverkat företagets finansiering. För att uppfylla uppsatsens syfte har vi arbetat utefter en kvalitativ forskningsmetod och genomfört en fallstudie där vi intervjuat sex personer som innehar kunskap som är relevant för uppsatsen. Vi ger också rekommendationer om hur företag kan arbeta med att hantera finansiella risker på den kinesiska marknaden.Den teoretiska referensramen innefattar företagsfinansiering, etableringssätt och den politiska risken. Teorikapitlet behandlar dessa dels ur ett generellt perspektiv men också i relation till den företagsfinansiella kulturen i Kina.

Som ett resultat av ekonomiska skandaler, såsom Enron och Worldcom, där man har konstaterat att bristen på den interna kontrollen har varit orsaken, stiftades lagen Sarbanes-Oxley Act som gäller för amerikanska börsnoterade företag. Denna lag är till följd av att ägarna ställer högre krav på Corporate Governance (bolagsstyrning) i de nordamerikanska börsnoterade företagen. Detta leder till ett ökat skydd för finansiärerna eftersom i dagens komplexa bolag är ägandet och styrningen till stor del åtskilda. Lagen har lett till att internrevisionen har fått en allt starkare roll i att stödja ledningens arbete med att dokumentera och följa upp den interna kontrollen. En liknande lag, svensk kod för bolagsstyrning, har stiftats i Sverige och gäller för svenska börsnoterade företag.Författarna har undersökt hur den interna revisionen har utvecklats inom olika företag i Sverige.

By using steady-state measurements for predicting emissions under a dynamic drive cycle wouldsave a lot of time and money for the exhaust aftertreatment specialists at Volvo cars. The idea forthis thesis has been to investigate if statistical regression models can be used with good accuracy.Questions included are for example if common operating variables such as engine speed, air-fuelratio etc. is sufficient to predict engine-out emissions over the engine operating range with goodaccuracy. Focus was set on the modelling of warm engine, but also the more complex engineheat-up phase was investigated since it is a great contributor to total emissions. While NOxcouldnot be measured because of malfunctioning measurement equipment, only HC, CO andtemperature at inlet of first catalytic converter has been modelled.

The use of digital devices are widely spread among us. Children have an iPad in their hands before they learn how to talk and we bet you look at your smartphone more times a day then you would like to admit? Interaction through these devices have become so natural in our daily life that we get confused when a retailer does not offer a website or an app. The habit of searching for information in the most accessible channel and buying in the one that offers the benefit of convenience, and of course, saves you money and time, is a common way of shopping these days. This is referred to as multi-channel shopping.

Today´s roofing of dwelling houses is a very time consuming procedure, which includes a lot of different steps on the construction site. Not only does it cost a lot of money, but often do problems with rot and mold occur in the attics of houses today. The use of prefabricated modules has seen a great breakthrough in the field of construction of dwelling houses; at least when it comes to foundations and walls, where this type of approach makes the construction process way more efficient. What no one previous has succeeded to develop is a corresponding system for roofs that meets the demands of a dwelling house. Accordingly the goal of PlusTak has been to come up with a proper module system for roofing of dwelling houses, where the roofing is completed to meet the demands of the Scandinavian market. During the project a lot of effort has been put into customer contacts and the usability of the product, as well in the manufacturing process as on the construction site. This development has gone hand in hand with several practical tests and tryouts.

During the period 2009-2013, investments in the Swedish national grid increase by a factor of ten compared to previous years. In order to fulfil their mission to manage the national grid in a safe, efficient and environmentally sound way, Svenska Kraftnät (Swedish National Grid) needs to take all these perspectives into account while planning new investments. To compare and relate perspectives of technology, economy and environment the same yard stick must be used. That yard stick is commonly money. A problem arises however as environmental issues are difficult to price.The purpose of this master?s degree project was to develop a tool for evaluation of environmental impact related to investments in the Swedish national grid.

Horses respond individually to challenges, and the possibility to use these reactions to evaluate equine temperament with an objective instrument would have several advantages. Horse welfare could be improved by making it possible to find individuals best suited for a specific use, and understanding of the development of abnormal behaviours, such as stereotypies, could be increased. Management routines and training could be adjusted tosuit each individual horse and it could facilitate the selection of individuals appropriate for breeding. There are also economic implications, as horse buyers consider temperament important and after evaluating temperament, money can be spent solely on specific horses with all the right qualities. During the last decade, many attempts have been made to measure different aspects of temperament in horses, and the first aim of this project was to look at these studies and see which methods were used and which temperamental characteristics they measured.