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569 Uppsatser om Savings banks - Sida 22 av 38
Relining ur ett beställarperspektiv
This report is focusing upon relining from a client?s point of view. Potential buyers are given a presentation of the different methods available today together with a general briefing describing the process. An important part of this report are the interviews that took place with already established customers. Property owners, managers, pipe cleaners, and project managers whom all been in contact with relining have answered the questions given along with their own thoughts and have also given recommendations of other persons to talk to.
Energianalys av tryckluftsystem : så kan Billerud Skärblacka AB spara energi på tryckluft
Compressed air is a low efficiency media, and is thus very expensive to produce. This thesis work began by mind mapping how to create savings on the compressed air system at Billerud Skärblacka AB. Certain issues have been chosen for further studies.In order to identify the consumption of compressed air at PM 8 and 9, several measurements were made. At PM 8 there were not found any pressure drop, only large pressure variations for short periods of time. The causes of these pressure variations were not established.
Portföljbaserad kreditriskhantering : nya perspektiv med Basel II
Den första januari 2007 träder nya regler om bankernas kapitaltäckning i kraft, Basel II. Dessa syftar till att stärka det finansiella systemet samt effektivisera bankernas riskhantering. Som en del i regelverket ingår att bankerna skall genomföra en samlad kapitalbedömning och genom denna bedömning öppnas nya möjligheter för bankernas riskhantering.Vårt syfte är att med utgångspunkt i portföljvalsteori analysera och diskutera en portföljansats möjlighet som verktyg för att förbättra riskhanteringsprocessen i en banks kreditverksamhet.Inledningsvis beskrivs det nya regelverket och fokus läggs sedan vid en av regelverkets delar, kapitalbedömningsprocessen. Som en del av denna process föreslås en portföljansats och vi illustrerar de speciella problem som uppkommer vid portföljoptimering av krediter med hjälp av en exempelportfölj. Tonvikten läggs på behovet av stora mängder rätt data samt korrekta antagande om hur risken i krediter skall mätas.
"Ibland undrar man ju vad de tänker med, de som sitter där uppe" : En kvalitativ studie om brukarmedverkan inom hemtjänsten
This qualitative study examines the participation that older people have in their own home care by exploring experiences of care workers. We will investigate to see if there are limitations due to financial implications in the sector. Modern day care of the elderly in Sweden is facing increasing pressures to both show cost savings whilst maintaining the same levels of service within the community. It is becoming more essential for older people to participate in their own care for the sake of their health and well-being. The method that we used for data collection was qualitative interviews.
Utvärdering av AP-fonderna : En studie av AP-fondernas riskjusterade avkastning åren 2003-2009.
The general pension supplement introduced in 1960 which introduced the public pension funds in Sweden. In the late 1990s the Swedish pension system was reformed and established the current structure. Today, funds are one of the most common forms of savings in Sweden and mutual funds are the most common type.The purpose of this study is to analyze the risk-adjusted returns for the AP funds in the period 2003-2009. Study was based on five funds that are most similar and have the same mission. These funds are AP1, AP2, AP3, AP4 and AP7.The method used in this study is mainly based on a survey of the figures and measurable units of statistical methods that have been carried out by a quantitative approach.
Självkörande fordon : En analys av energianvändning och kapacitet
Self-driving cars are soon to become a reality to the commercial market. A self-driving car does not have a human operator, which enables some interesting characteristics. The main benefits are considered to be:The number of accidents and traffic jams should be reduced.Enhanced comfort.Energy usage could be decreased while capacity could be increased.This study concerns the causes for improved energy efficiency. The reason for improved energy efficiency is mainly because of the variation in terms of acceleration, braking and distance holding are reduced. The vehicles are more intelligent and can work together as a unity.
En byggnads energibehov : En studie om energieffektivisering av en befintlig byggnad i södra Sverige
The purpose of the study was to investigate the use and losses of energy in an existing older building. Another purpose was also to look through various options for heating systems with renewable energy in the building. The aim was to reduce the use and losses of energy. The first step was to study the related electricity bills of the building and also perform measurements and calculations of the building envelope and ventilation. The next step was to find out the possible actions for energy saving by performing measurements and calculations.
Ansiktlösa parasiter : En studie av institutionernas passiva ägande
Introduction: Increased savings in funds has enforced the importance of the institutions. During the last 25 years they have augmented their ownership from 20 to 85 % of the Swedish stock exchange. Thereby the ownership becomes more and more financial, meaning that the return is the most crucial. In an article in Dagens Nyheter the president of the Swedish Shareholders Association and the president of Metall object to the institutional passivity which they consider being an important problem. Purpose: The purpose of this essay is to put the institutional passivity in perspective.
Bibliotek och sponsring ? en studie om sponsring vid sju bibliotek
This essay concerns sponsorship of libraries within Sweden. It takes its starting-point in the libraries economical situation where resources are decreasing. The main purpose of the essay is to investigate how sponsorship is used in public libraries. The main questions are:o Why are sponsorships appealing to libraries? o What does the processes of sponsoring look like? o What are the possible risks concerning sponsor-ships ? could it endanger libraries democratic role? o How does library staff reflect on the role of libraries in contemporary society? In our study we chose to investigate the sponsorship issue from the sponsored libraries perspective.
En komparativ studie av bankers årsredovisningar i Sverige och USA - Kapitaltäckningsreglerna i fokus
Syftet med uppsatsen är att undersöka om det finns några skillnader mellan svenska och amerikanska bankers årsredovisningar när det gäller kapitaltäckningsreglerna. För att kunna undersöka syftet har jag har undersökt fyra svenska bankers och fyra amerikanska bankers öppenhet i respektive årsredovisning. De banker jag använt mig av är Nordea, FöreningsSparbanken, Handelsbanken, Skandinaviska Enskilda Banken, Bank of America, JPMorgan Chase Bank, CitiBank och the Bank of NewYork. Öppenheten i respektive banks årsredovisning undersökte jag genom att göra en innehållsanalys över kapitaltäckningsreglerna. Dessutom har jag gjort en undersökning för att se om det finns något samband mellan öppenheten och bankernas karaktäristiska.
Investerares önskemål om CSR-information i företags hållbarhetsredovisningar
To act responsible in relation to environmental, economic and social issues is a trend that is spreading among businesses and their investors. In order to assess business risks, ethical interested investors are calling for open, honest, clear CSR information that can be followed up in corporate sustainability reports. The ability to communicate about risks and to meet investors requests already in the business analytic process can save resources and increase the company?s profitability.The idea that companies should take responsibility for their impact on society from economic, environmental and social perspective is called Corporate Social Responsibility, CSR. In addition to CSR, there is another three-letter abbreviation in this context, PRI ? Principles for Responsible Investment ? which are principles, signed by ethically interested investors.
Upprättandet av kundrelationer med minskad fysisk närvaro : En kvalitativ studie om Danske Bank
Vi har gjort en kvalitativ undersökning av hur en bank på den svenska marknadenupprätthåller kundrelationer via en Internetbaserad distributionskanal. Vi har utfört en intervjumed Danske Banks Head of Channels Daniel Wahlström för att insamla primärdata för attundersöka och analysera vilka faktorer som är essentiella för att upprätthålla kundrelationervid en fysisk distansering från kund.Analys av primärdata har skett utifrån utvalda relevanta teorier och perspektiv som behandlarkundrelationer, tjänstekvalitet, kundlojalitet, kundupplevt värde, e-lojalitet samt CustomerRelationship Management.Resultatet av studien visar att banken har ett väl fungerande arbete med kundrelationer ochsitt CRM-system utifrån de teorier som studien har baserat sig på. Alltjämt försöker bankenanpassa sig efter distanseringen från det fysiska bankkontoret till en Internetbaserad kanal därtjänsten också har utvecklats jämsmed kund. Dock kvarstår en del emotionella utmaningar iarbetet med en personlig relation med kund i denna kanal..
Singel eller Tillsammans?: En kvantitativ studie om effekterna av att göra reklam för flera produkter inom en produktkategori tillsammans
This paper quantitatively examines the effects of marketing brands within the same product category and the same brand portfolio jointly. We have chosen to call this type of marketing category advertising. The results of the study show that category advertising leads to increased brand awareness within the category, which is particularly important for brands within less salient subcategories. For strong brands however, category advertising leads to lower purchase intentions, an effect which could potentially be moderated by focusing the advertisement on the complementary nature of the products combined with promotional elements. The study also shows that there is no difference between advertising products jointly and separately when it comes to brand attitude, category attitude, typicality, brand purchase intention for weak brands and category purchase intention.
Strategisk användande av sociala medier inom bankbranschen : En studie om informationschefers varumärkestänkande i förhållande till sociala medier
Young men who commit sexual abuse is a complex topic. This study is based on litterature on the subject and the material is processed through a qualitative content analysis. The study aims to study how the litterature describes the reasons why young men commit sexual abuse. It also aims to explore what is described to be effective treatment of young men who committed sexual abuse. The study found that most of the young men who commit sexual abuse comes from families where violence and psycohological abuse occurs. Many have themselves been victims of sexual abuse.
Missnöjeshantering i svenska banker - En fallstudie av Skandinaviska Enskilda Banken (SEB)
I denna uppsats undersöks hur användarna på det virtuella nätverket facebook väljer att framställa sig själva samt vad som ger social status därpå, och detta ur ett genusperspektiv. Facebook är ett socialt virtuellt nätverk som baserar dig på relationer förankrade utanför internet, och har på en mycket kort tid nått en stor spridning. Facebook är därför en social arena som möjliggör nya möjligheter men även begräsningar i presentationen av jaget. Uppsatsens resultat baseras på en innehållsanalys av statusuppdateringar och bilder från facebook, som analyserats utifrån relevant sociologisk teoribildning. De resultat som framkommit ur analysen tyder på att den framställning som görs av användarna på facebook är en idealiserad och ytlig sådan, där båda könen strävar efter att framstå som populära, framgångsrika och lyckade.