To be able to protect themselves from credit risk, the banks must constantly check the performance of  the companies they have lent money to. There are many mathematical models for predicting financial distress. These models use accounting-based ratios, which often are historical and not representative for the present situation. This study describes how the banks do in practice to find signals of insolvency in time and the variables they are observing for doing that.In addition to financial reports which the company sends in to the bank at least once a year, also the relationship between them and information from different information  agencies are of great importance to track  signals of insolvency. Poor profitability is the primary cause of insolvency.

The aim with my study is to highlight, illuminate and examine the social and maternal health care motivational work of pregnant women with a risk or abuse of alcohol and / or drugs, and what actions can be considered for these women. In addition, the aim is to explore how social services and maternity care might interact in this type of case. The aim is to convey the subjective experience of each of the interviewees. For the purposes of this study, I have chosen to use the qualitative research method. I have interviewed social workers in individual and family care, and midwives.

The conservation of great apes faces many challenges, one of which is the threat of infectious disease outbreaks. Zoonotic transmission of respiratory diseases from humans to wild great apes has recently been confirmed. Since respiratory disease is one of the major causes of death in both gorillas and chimpanzees, this gives reason for major concern. Little is known about the risks of disease transmission from humans to great apes in natural environments, and there is a need for systematic risk evaluation. Researchers, conservation staff and tourists spend time in very close proximity of wild great apes, sometimes during long time periods, which poses a potential risk of disease spillover. However, the presence of researchers and tourists has been shown to decrease the risk of poaching, making the matter increasingly complex.

This dissertation aims to explore how an investment appraisal differs depending on if it is conducted by a municipal or a private real estate company. Municipal and private real estate companies are not performing on totally equal terms in the property market. A municipal company in Sweden has a public service mission. The consequence due to that mission is that they have limited yield potential but on the other hand the right to certain subsidies. They are also limited by the law of public purchasing (in Swedish: Lag om offentlig upphandling) in the investment process.

Uppsatsens huvudsakliga syfte är att öka förståelsen för hur varumärkeskapitalets dimensioner påverkas av en nedåtgående vertikal brand-extension. Med en kvantitativ metod och en experimentell undersökning, med 440 svarande studenter, har vi belyst området. Experimentet baserades på en fiktiv lågprislinje för ett starkt varumärke inom dagligvaruhandeln, i vårt fall Uncle Ben?s. Den teoretiska referensramen kommer från områdena varumärkeskapital och brand-extension.

A quart of the of the adult population worldwide havemetabolic syndrome. A sedentary lifestyle, low physicalactivity, combined with wrong eating habits, stress,smoking and psychosocial factors, are the main causes ofdevelopment of the metabolic syndrome. The purpose ofthe literature review was to illuminate the physicalactivity in persons who have the metabolic syndrome, andwhat sort of advice a nurse use in the promotion ofphysical activity. The study was conducted as a literaturereview, including 15 scientific quantitative articles. In tenarticles, the focus was on physical activity at themetabolic syndrome, and five articles focused on variousforms of counselling for physical activity.

To reduce emissions of carbon dioxide (CO2) Carbon Capture and Storage (CCS) technologieshave been developed. Chemical Looping Combustion (CLC) is a CO2 capture technologywith the CCS framework, and at Chalmers University of Technology in Gothenburg,Sweden, a 100 kW chemical looping combustor has been built.This project aimed to investigate to what degree air can replace helium as the uidizinggas for uid dynamical studies in a CLC cold ow model of the above mentioned 100 kWfacility. Experiments were performed using air and helium separately as uidizing gas andpressure data were obtained, which formed the basis for the comparison. The project alsoaimed to investigate uid dynamics in the uidized bed and study when the risk of sluggingoccuring was greatest. The results were presented in the form of figures and tables dividedinto pressure, concentration and standard deviation of the pressure.The results obtained showed that air as uidizing gas did not create the same uid dynamicsas helium over the entire fuel reactor.

The purpose of this paper is to examine and analyze past development of mutual funds in large and small mutual fund companies and see if there are any differences between these two segments. Limitations on the number of funds have been made by choosing Nordic mutual fund companies that invest in emerging markets over an 11-year period. The study is made on 66 mutual funds managed by 13 mutual fund companies in which the segment of small fund companies includes seven fund companies with assets under management less than 100 billion SEK and the segment of large mutual fund companies includes six fund companies with assets under management more than 400 billion SEK. In the comparison of the segments the Sharpe ratio has been used to calculate the risk-adjusted return. The study shows small differences of the risk-adjusted return between the segments.

This study examines the effects of credit risk and information disclosure in the new bank regulating system Basel II on bank and bank customer. The effects are then discussed in a perspective of the economic man and information asymmetric theories. Furthermore is the Basel II effects on the capital adequacy of Andelsbanken för Åland examined.The approach of the study is qualitative and several interviews with individuals on different levels of the examined bank, Andelsbanken för Åland, have been carried out during the collecting of empirical facts about the effects of the regulating change from the Basel I system to Basel II.The research findings are as follows:Andelsbanken för Åland have increased its capital adequacy ratio from 12,7 percent to 14,4 percent, mostly due to lower risk weights on housing mortgages compared to Basel I. Andelsbanken för Åland have started to use a completely new credit risk and customer assessment system which classifies every customer and gives them a credit rating. The system cause a much heavier information gathering of the customers profile as well as a much better assessment of risk than the previous system, which the bank finds positive.

Children are a group of patients that require special knowledge from the anesthesia staff, both general and specific. Theoretical knowledge and practical experience is necessary to adequately care for the child as it anatomically, physiologically and mentally may differ from adult patients.A growing problem in the pediatric population is overweight and obesity. From a stagnation in the early 2000s the prevalence of overweight and obesity among children in the world are again increasing.The purpose of this study was to examine peri-operative care of overweight and obese children.Systematic searches were done in PubMed, CINAHL and Scopus. After the quality audit according to SBU, twelve articles were included for analysis.Results suggest that overweight and obese children have a higher risk of respiratory peri-operative complications. The risk of hospital admission after outpatient surgery was also greater in this group as well as higher costs for health care.Overweight and obese children are complex subjects with more frequent peri-operative risk factors than normal-weight children.

Traditionally risk-based measures have been used to assess animal welfare in legislation and certification schemes. With increased knowledge and research, debate today tends to focus on and advocate the use of animal-based measures. However this is not a panacea for welfare and the most sound conclusion should be that assessment of animal welfare needs both. The aim of this thesis is to identify the points that need to be taken into consideration to find the optimal balance in the use of input and outcome measures according to the aim of the assessment and how these should be applied when designing a certification scheme? To answer this, a comparison of the use of resource-based, management-based and animal-based measures in two certification schemes for dairy cow welfare, Freedom Food (UK) and Svenskt Sigill (SWE), was made.

AbstractTitle: The debut of gluten ? Does timing of gluten introduction affect the risk ofceliac disease in high-risk children?Author: Sandra Hagwall Frohm and Maria IngmarSupervisor: Frode SlindeExaminer: Mette AxelsenProgramme: Programme in dietetics, 180/240 ECTSType of paper: Bachelor?s thesis in clinical nutrition, 15 hpDate: May 26, 2015Background: Celiac disease is a chronic disease in which the intestinal mucosa is damaged bygluten exposure, and the only treatment is a lifelong gluten-free diet. The disease affects about1 % of the population worldwide, but the majority are undiagnosed. Ingestion of gluten and thegenotype HLA-DQ2/8 are required for disease development, although additional genetic andenvironmental factors are believed to be of importance. One hypothesis is that timing of glutenintroduction in infants affects the disease risk.

SAMMANDRAGHistorisk Simulation, Delta-Normal och RiskMetrics prestation utvärderas med hjälp av Kupiecs Backtest. Value at Risk (VaR) beräknas med tre olika konfidensnivåer utifrån Affärsvärldens Generalindex och HSBC kopparindex. Utifrån överträdelser från verkligt utfall undersöks vilken VaR-modell som estimerar marknadsrisken bäst. VaR-modellernas prestation jämförs, och i analysen utreds hur konfidensnivå och tillgångars egenskaper påverkar VaR-modellernas prestation. Resultaten visar att Historisk Simulation presterar bättre än Delta-Normal och RiskMetrics på den högsta konfidensnivån vilket troligtvis beror på att RiskMetrics och Delta-Normal antar normalfördelning.

Rättspsykiatriska patienter är en grupp med mycket psykosocial belastning i barndomen och mer forskning behövs kring bland annat huruvida det finns samband mellan denna psykosociala belastning, framtida brottslighet och bedömd risk för våld. Denna studies syfte var att jämföra brottslighet, psykosocial belastning i barndomen samt initiala riskbedömningar gjorda med HCR-20 på kvinnor respektive män vårdade vid Rättspsykiatriska Regionkliniken i Sundsvall. Vidare undersöktes ifall förekomst av psykosocial belastning i barndomen korrelerade med bedömd risk för våld bedömd med HCR-20 eller med brottslighet hos patienterna. Studiens sampel bestod av 10 kvinnor och 39 män varav majoriteten vårdades enligt LRV. Data samlades in från journaler, rättspsykiatriska undersökningar och domar samt genom enskilda intervjuer.

Hair care is a hygienic treatment and is supervised by the Local Environment and Public Health Committee in the municipality. According to the Swedish Environmental Code, hairdressers as all practitioners are required to take measurements to protect the environment and public health. In hygienic treatments hazards may arise from inadequate hygiene practice which spread infection. Hazards may also arise from the use of hair care products such as permanent wave solutions, bleaches and hair dyes. Some hair dye components are known to cause contact allergy, mostly in hair dressers who are exposed professionally but also in some cases in consumers.