Titel: Kundens val av bank Nivå: C-uppsats i ämnet företagsekonomi Författare: Sanna Westling och Angelica Kjellin Handledare: Lars-Johan Åge Datum: 2012- januari Syfte: Syftet med denna studie är att belysa vilka faktorer som påverkar kunden i valet av bank och jämföra dessa med bankernas syn på vilka faktorer som avgör kundens val av bank. Målet är att presentera ett resultat som kan vara till nytta för bankerna i deras framtida marknadsföring. Metod: En kvantitativt inriktad enkätundersökning har via metoden snowballing spridits till respondenter. Resultat har mätts och presenterats empiriskt via staplar och diagram. Kvalitativa intervjuer har skett med bankerna där resultatet har kopplats till enkätundersökningen och en diskussion förts med kopplingar till teorierna vi presenterat och bearbetat med inhämtad sekundärdata. Resultat & slutsats: Vår studie utmynnade i att de tre viktigaste faktorerna för val av bank är kunskap, kundbehandling och säkerhet. Det visade sig att bankerna var på ungefär samma linje men att det fortfarande finns några kunskapsluckor här att fylla ut. Förslag till fortsattforskning: Vi har bara skrapat på ytan bland alla de orsaker som kan finnas till valet av bank.

A more complex and turbulent world market puts pressure on flexibility and the ability to adjust its business to the market changes. The rapid and unpredictable change is hade to analyze and forecast which demands more short-term forecasting. The issue for this dissertation is based upon the demand of more flexible ways of doing business in the bank sector in Sweden, which is a turbulent and unpredictable market. Handelsbanken is a company that uses the so called Beyond budgeting concept and the dissertation is about this company?s ability to solve the economic governance without the traditional budgeting process.

Since the middle of the 1980´s the Swedish bank market has experienced a change concerning structure and pressure of competition. Before the year 1985, the market was characterized as a market with few operators but have changed to a market with many operators and seen as one of the most intense in Europe where the four major banks; Nordea, Handelsbanken, SEB and Föreningssparbanken together have a strong position. Their market share has recently decreased, mostly for the benefit of foreign banks and niche banks. The Swedish market has experienced difficulties in generating profits which mostly depends on new establishments that have increased the pressure on competition, a low growth as well as weakened customer relations. The development has resulted in a growing importance of market segmentation, mainly by the fact that costumers have become more disloyal as a result of the increased competition.Students are a market segment of interest for the financial market, mainly because of the expectations of their positive financial situation in the future.

Då avskaffandet av den lagstiftade revisionsplikten för småföretag är under utredning, är vårt syfte med denna uppsats att se vad ett avskaffande kan innebära för några utvalda intressenter..

Då avskaffandet av den lagstiftade revisionsplikten för småföretag är under utredning, är vårt syfte med denna uppsats att se vad ett avskaffande kan innebära för några utvalda intressenter..

Efter ett antal lagändringar har förutsättningarna för nyetablering på finansmarknaden blivigt allt enklare. Den tekniska utvecklingen har ytterligare förändrat förutsättningarna. I Sverige har de fyra storbankerna som består av Skandinaviska Enskilda Banken (SEB), Nordea, Föreningssparbanken (FSB) och Handelsbanker ca 80 % av marknadsandelarna. För de flesta hushållen är finansiella tjänster av vital betydelse och utgör i många fall en stor del av hushållets utgifter. Konkurrensverket menar att många hushåll skulle spara ett betydande belopp genom att aktivt välja bank.

The purpose of this thesis was to look at the relationship between the experiences of work related stress among male bank employees and how they dealt with potential stress. The thesis focused on male bank employee?s experiences and management of work related stress with the control requirements and support model as a starting point. Work related stress is a phenomenon that has become a serious problem with economic impact for both the individual and organizations. Increased absence from work due to medical issues is one example of such consequences.

New rules for bank capital adequacy were introduced in 2013. This caused a changein funding of real estate companies. The bank could not cover as much of thecompanies funding?s as before and they had to explore other funding opportunities,such as bonds. Bond funding in Swedish real estate companies regularly consists ofunsecured corporate bonds and the secured ones are not that common.

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.

As of today, securitization is an established product on the capital market. The first transaction was made in the US in the 1970s. Since then the product has been developed and today there are several different structures of the product. Internationally securitization has been used for two reasons. Originally securitization was used to gain capital relief, but since capital requirements such as Basel II were implemented, the usage of securitization changed to more of a funding source.

The thesis aims to analyze strategic, cultural and structural aspects of Grameen Bank and its micro-credit project, in order to identify key success factors. A case study was performed with an inductive and qualitative approach, using semi-structured interviews. The data was collected by field observations and interviews on site in Dhaka, Bangladesh and surrounding areas.The main conclusion is that the critical success factor of Grameen Bank is the relationship focus, guiding and aligning its strategy, culture and structure. Also, local offices have been observed to utilize practices not permitted by the bank?s management, ultimately increasing the organizational efficiency..

Uppsatsen är en fallstudie av Nordea, Provinsbanken, Handelsbanken, Föreningssparbanken och SEB. Uppsatsen syftar till att undersöka hur banker arbetar med kundrelationer och vilka kundmått som används..

Few generations have gotten as much media attention as Generation Y. Growing up in the digital age Generation Y has become very different from previous generations. An interesting topic is if this is reflected in the way Generation Y act as leaders. The purpose of this study is to describe what kind of leadership Generation Y prefers, to explore how individuals belonging to Generation Y act as leaders and finally to investigate if there is a discrepancy between these two perspectives and if so try to understand it. By reviewing existing research and conducting depth interviews with employees and managers at a Swedish bank we recognize preferences in a number of categories, which Generation Y require from leaders.

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.

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.