Studiens syfte är att utveckla storbankernas Retail Banking verksamheter genom att studera detaljhandeln, de nya bankaktörerna och storbankerna. Det empiriska materialet baseras på åtta semistrukturerade intervjuer med chefer inom bank- och detaljhandelsbranschen Studien konstaterar att storbankerna måste utveckla sina Retail Banking verksamheter för att bemöta konkurrensen från andra bankaktörer. Genom förbättrade CRM-system, bättre nyttjande av distributionskanaler och mer försäljningsinriktade organisationer är storbankerna redo för framtidens Retail Banking..

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..

The most vital for a business is to understand how to please and satisfy its customers in order to make them loyal to the company. Companies weapon for competition in the retail business is defined through the retail mix. The retailer however often have limited resources whereas they have to prioritize between the factors included in the retail mix. The main purpose for this paper is to investigate what kind of internal connections that may occur between the factors in the retail mix, with focus on the job satisfaction as a catalyst on driving the values of the parameters included in the retail mix, where the factor service is the starting shot for the others included..

Banking systems in India is quite popular and it needs some more changes to reach all the customers. Lack of the service is main problem in Indian baking system. If the common person wants to open the account, it take?s little bit high cost and banks are not near the people location. Due to the Lack of service, people do not want to be a customer of the bank.

De fyra svenska storbankerna; Nordea, Föreningssparbanken, Handelsbanken och SEB agerar och värderas internationellt. Värderingarna grundas på bankernas kompetens, resurser och finansiella produkter och framförallt värderas bankernas marknadsandel och befintliga kundrelationer. Den svenska bankmarknaden påverkas av den växande internationella konkurrensen och bankerna måste därför skapa egna eller anskaffa internationellt konkurrenskraftiga finansiella produkter. Syftet med denna artikel är att utifrån den resursbaserade teoriansatsen analysera fallföretaget Sparbanken Finn. Framförallt skall vi applicera ett modulärt angreppssätt på produktion av finansiella produkter; detta för att avgöra den modulära teorins eventuella tillämpbarhet.

Goal: To describe which evaluation method is used by Swedish retailers to assess a potential retail location and to describe to what extent the retail brand effects this strategic decision. Design: Analysis of ten interviews with companies within five retail sectors in Sweden. Main study: Indication of what methods are used to evaluate a location and how a company's retail brand affects the decision. Results: Retailers use a mix of theoretical methods to evaluate the location attributes and possible profit. Most common among mixtures was an application of the analog method, residual method or the checklist method in combination with a financial assessment.

The Retail Banking market in Sweden is highly concentrated and oligopolistic. This has been confirmed by numerous reports from different competition authorities within the EU, for example the Swedish competition authority. A considerably high number of different sorts of competition barriers has been pointed out in these reports. The competition barriers are mainly directed to the smaller banks and the potential competition. The Retail Banking market in Sweden is dominated by four major banks, which together has over 80 percent of all market shares.

Title:                                  CRM ? A case study of Nordea Private BankingAutors:                               David Johansson & Mikael Westin        Advisor:                             Ulf AagerupLevel:                                 Bachelor thesis in International marketing, (15 ECTS), Spring 2013.Keywords:                         CRM, Relationship marketing, Private BankingQuestion:                           How does Nordea Private Banking work with CRM to get high customer loyalty?Purpose:                            Study and to learn how Nordea Private Banking is working to bring in new customers and keep existing customers loyal. We also want to see if Nordea uses additional strategies that goes beyond the theory and what their customer relationship strategy is.Method:                             The study has a qualitative research method with an inductive approach. Interviews with leading and skilled profiles at Nordea Private Banking has been interviewed to provide answers to our research question.Theoretical framework: The chapter starts with theory about what relationship marketing is and what is driving customer loyalty. Thereafter theory that define CRM and its pros and cons are addressed, and finally the chapter describe the implementation phase.Empirical framework:     In the empirical framework we present the qualitative interviews that were done with employees at Nordea Private Banking.Conclusion:                       The result from this study shows that Nordea Private Banking uses strategies that are common in theory of CRM to gain high customer loyalty and the use of recommendations from satisfied customers is of a much higher significance in Nordea Private Banking?s case than of what the theory is implying.

This thesis attempts to clarify the impact of cultural differenceson customer expectations of service level. Furthermore, wewant to determine whether or not expectations of service differenough to be quantifiable between two countries, Sweden andthe US, mostly regarded as similar in business practices. The conclusion showed that higher ratings on four of Hofstede?s five cultural indexes were associated with higher customer service expectations overall, and in all four SERVQUAL dimensions. This research contributes to retail internationalization and customer expectations theory.

The purpose of this thesis was to illuminate and create a deeper understanding of how small niche retail businesses within the apparel industry position themselves. We aimed to investi-gate how these small niche retail businesses create their position and how they communicate these positions to their target market. To be able to investigate the positioning-process within these small niche retail businesses a case study was conducted based on interviews with two respondents from two different companies and observations of these businesses physical envi-ronments. The study indicated that the small niche retail businesses mainly make use of emo-tional aspects and their assortment range to create their position. To communicate their posi-tion to their target market they mainly use their in-store personal selling and their assortment range..

The banking industry is a fundamental part of the economy in Sweden. Despite its importance, the competition and the concentration level within the Swedish banking sector is relatively unexplored. This paper aims to examine the development of the concentration level in the Swedish banking sector during a period of ten years, 2003 to 2013. The examined banks in the study are the four largest banks in Sweden; Handelsbanken, Nordea, SEB and Swedbank, and four selected niche banks, ICA banken, Ikano Bank, Länförsäkringar Bank and Skandiabanken. In order to examine the development in percentage change, there are six selected variables; loans, deposits and borrowings (both public and households), net interest income and return on equity, which are observed during a period of ten years.

Students today, in the banking system, are the least loyal group. Students are also the most costly group due to the large investments, made by the banks, for them. Banks have generalized all students in one category and have adapted their offering regardless of students? social statues. As the students banking needs are dependent on their position in their lifecycle, generalizing them in one group is not optimal.The aim of this thesis is to investigate those factors which influence students? choice of bank.

The retail banks are usually looked upon as conservative. Since the launch of internet banks in the 90's they have not developed much. Meanwhile the internet is developing in a fast pace and social websites are increasing in popularity. The purpose of this essay was to investigate how internet banking will develop in the near future based on interviews, literature and trend studies. With web 2.0 techniques the internet bank could develop to help the costumers take more informed decisions regarding their economic situation.

Syftet med studien är att undersöka huruvida vår motivationsmodell som bygger på Herzbergs tvåfaktorteori, stöds och används av ledare inom organisationen Retail House för att motivera sina anställda på distans.Teoriavsnitten ledarskap på distans och motivation samt vår motivationsmodell ligger till grund för empiri, analys och slutsats. Studien har utförts genom kvalitativa intervjuer med tre företagsrepresentanter från Retail House. Uppsatsen finner att Retail House ledning motiverar sin personal i stor utsträckning enligt vår motivationsmodell. Dock har undersökningen visat att företagets speciella sätt att arbeta försvårar motivationsarbetet för ledningen, snarare än distansen till personalen. Det framkom att de faktorer som är bäst lämpade som motivationsverktyg för Retail House är feedback och lön..

Relationship Marketing - will banks be able to handle higher consumer mobility in the private market?The purpose of this paper is to gain an understanding of the factors that affect customer loyalty to the bank. Consumer mobility will probably increase as a result of political changes and pressures on the private banking market to become more competitive. This study was carried out using semi-structured interviews and were transcribed and analyzed with the help of models and theories centered on relationship marketing. The theories describe loyalty, the customer lifecycle and relationships between customers and organizations.