I Sverige råder det hög konkurrens och låg kundrörlighet på bankmarknaden samtidigt som många banker har dålig kunskap om vad de ska erbjuda för att locka till sig nya kunder. Ett specifikt segment som Swedbank är intresserade av att locka till sig är universitetsstudenter. I dagsläget erbjuder Sveriges stora banker enbart klassiskt finansiella mervärden till dessa studenter. Detta innebär att bankerna inte särskiljer sig, vilket i sin tur gör att studenterna inte lockas till att byta bank eftersom samma mervärden redan erbjuds hos deras nuvarande banker. Därmed finns det en möjlighet att utforska nya mervärden som en student kan tänka sig att byta bank för.

By comparing the experience off interaction in a life world with a drug habit and a life world without a drug habit you might find how they differ. We asked four former drug abusers in four semi structured interviews to describe their experiences off interaction under these two circumstances. The difference between the two life worlds when it comes to interaction is that in the drug abusing life world our informants describe that communicative action has to stand back for a more goal oriented action. In the drug free life world, communicative action on the other hand is experienced as the most important action. The difference is about wether interaction is goal oriented or oriented at understanding.

The purpose of IFLA:s Core Programme ALP Advancement of Librarianship in the third world is to further the objectives of the library profession, library institutions and library and informationservices in the less developed countries in the third world. This essay deals with how and with what purpose IFLA/ALP managing developing work in the third world. What roles do they consider that the public library could play for development of the society? The essay also deal with purposes that have resulted in the close cooperation between IFLA/ALP and other organizations.till comparing their work with SIDA and UNESCO. Finaly I try to connect this work with a development theory and a global context..

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.

Background: Last year (2006) has been a year when the environmental issues figured more often in the media, and the environmental awareness among common people increased. Environmental climate reports have lately been on the headline all over the world. As a result of the increasing population in the world, it?s becoming more important to be aware of the environment. To do that, it is important to maximize the efficiency in the work with the environment.

Title: Female leaders within the bank sector. Level: D-level in Business Author: Emma Roos & Fanny Wiklander Supervisor: Maria Fregidou-Malama Date: 2011 ? January Aim: The aim of this study is to examine which factors are behind the low number of female leaders compared to male leaders within the bank sector. Method: We have adapted a qualitative method. This means that the researcher works close to the object of research and tries to understand it. We believe that this is a suitable method for our study since it?s based on seven personal interviews.

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.

The purpose of this study was to examine how modern information and communication technology influence collective action within the framework of social movements. By studying the protests in the Arab World 2011, and focusing on the social movements in Suleimanya in northern Iraq, by observation taken on place, the essay discusses that collective action is closely related to the use of technology, for example cell phones and Internet.Result shows that modern communication technology has enabled immeasurable access andconnection between individuals throughout the world, which seems to be different from previouscollective action. The new communication channels in the form of social media, has been used for the dissemination of information and news, documentation, organization and membership recruitment in the social movements in the Arab World and Suleimanya. The new social movements have the tendency to be decentralized and flattened organized, they are now self-organizing and that they only do a whole as global patterns, as evidenced by the social movements in the Arab World andSuleimanya..

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By comparing the experience off interaction in a life world with a drug habit and a life world without a drug habit you might find how they differ. We asked four former drug abusers in four semi structured interviews to describe their experiences off interaction under these two circumstances. The difference between the two life worlds when it comes to interaction is that in the drug abusing life world our informants describe that communicative action has to stand back for a more goal oriented action. In the drug free life world, communicative action on the other hand is experienced as the most important action. The difference is about wether interaction is goal oriented or oriented at understanding.

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.

Studies have shown that mergers and acquisitions often fail and that a reason to this might be that investment banks do not take any responsibility for the post merger integration. Despite this there have been no studies of the potential benefits of an investment bank taking a holistic approach to the M&A-process and including post merger integration in its service. This study identifies a couple of investment banks that does this and calls them holistic investment banks. In M&A-theory a successful process is often described according to so called success factors that need to be fulfilled in order to achieve a successful result of the merger or acquisition. The business model and work approach of one holistic investment bank is analyzed in this case study on the base of seven success factors from established theories.

Bakgrund och problem: De finansiella rapporterna för bankerna och dess analysvärde har kommit att ifrågasättas och aktualiseras i samband med finanskrisen. Eftersom bankernas verksamhet blir allt mer komplex, samtidigt som bankerna utgör ett fundament för ett välfungerande samhälle är vikten av att kunna bedöma stabiliteten i en bank högst aktuell. Värderingen av en banks verksamhet och riskerna kopplade till stabilitet är svårare att bedöma i en bank än för ett icke finansiellt företag. Vikten att identifiera de nyckeltal som kan förutspå stabilitet i den enskilda banken och minska bristen på transparens leder till forskningsfrågan: Vilka nyckeltal har ett högt prognosvärde när det gäller att utvärdera huruvida en bank kan anses vara stabil utifrån ett externt perspektiv?Syfte: Det övergripande syftet med uppsatsen är att finna nyckeltal som kan användas för att prognostisera stabiliteten i en bank.Metod: För att uppnå syftet med studien presenteras en litteraturgenomgång som karaktäriserar en stabil bank och riskerna kopplade till verksamheten.

The economic development and industrialization that has taken place in many parts of the world during the past century has brought about a huge increase in economic welfare. During this process, it has repeatedly been debated whether the gains from economic development are shared by everyone or just a few. In the field of economics, vast research has been conducted on this particular subject ever since the 1950?s. The most famous contribution might be said to be Simon Kuznets article, Growth and Income Inequality from 1955 and the ?inverted U?-hypothesis that was formulated on the basis of that article.

This report is an attempt to clarify how religious and non-religious views-of-life [livsåskådningar] are created through the collaboration and opposition of religious and scientific elements/ideas. This with the hope of reaching a fruitful result related to the solution of world-view related conflicts, such as the ones existing between science and religion, on an individual and societal level.This is accomplished with the help of two assertions: (1) Mankind has a need to explain its existence and surroundings. (2) Religion and science has their origins in the same seed and aim to serve the same purpose, or function. Together these two assertions lay the theoretical foundations of this report which implies that all humans have an innate need of sustaining a stable world-view.The result of this report is that a final solution to world-view related conflicts are beyond reach as our mental and physical nature limits us. However there are strategies for minimizing world-view related conflicts effect on society..