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 main purpose of this thesis is to investigate the possibility to communicate messagesrelated to sustainable development through cultural works. Culture is here synonymous toliterature or, more specifically, the fiction genre. According to ecocritical research, this genrehas the capacity to contribute to a more sustainable development and is therefore interestingto analyse from an environmental point of view.The novel selected for the study is Vips så blev det liv - eller en hyllning till blågrönalgen(2010), written by the Swedish author Bob Hansson. The analysis is mainly focused on howthe book?s climate related messages are formulated and integrated in the story.

SEB Merchant Banking provides to its institutional customers a true market neutral product called Dynamic Manager Alpha (DMA). The DMA is constructed by a long position in an exceptionally well performing mutual fund and a beta adjusted short position in an appropriate index. The key to making the product market neutral is adjusting with the correct beta, since the beta changes, it is very important to have a good model for predicting beta in the future.This master thesis begins with describing what beta is in a CAPM sense. It then continues with recognizing the so called ?Two Beta Trap?, which separates two kinds of beta.

Students of all ages host a wide variety of scientifically inaccurate ideas and conceptions about everyday astronomical phenomena, such as the seasons, the moon phases, and gravity. The field of Astronomy Education Research has over the last decade experienced an accelerating growth, although the majority of studies have been conducted in the USA. In this work, the 9th grade students of a typical Swedish school were surveyed by means of a questionnaire in order to probe their conceptual understanding of several key concepts in astronomy. In the end, the number of respondents amassed to a total of 90. The results were analyzed with a constructivist approach in light of conceptual change theory and phenomenological primitives.

SEB Merchant Banking provides to its institutional customers a true market neutral product called Dynamic Manager Alpha (DMA). The DMA is constructed by a long position in an exceptionally well performing mutual fund and a beta adjusted short position in an appropriate index. The key to making the product market neutral is adjusting with the correct beta, since the beta changes, it is very important to have a good model for predicting beta in the future.This master thesis begins with describing what beta is in a CAPM sense. It then continues with recognizing the so called ?Two Beta Trap?, which separates two kinds of beta.

In a time of fierce global competition, where an immense amount of commercial messages reaches consumers around the clock and in every conceivable context, companies constantly seek to find new ways to reach out with their product. One way to do so, that has increased in popularity in recent years, is the use of gift bags. A gift bag may contain samples, miniature products and even products in full size, as a rule from several different brands, which the recipient receives free of charge. The gift bag is typically distributed at some form of event, such as store openings, fashion shows, theme parties and the like, and the receiver of the gift bag can then evaluate the content without any obligation to purchase. The ambition of the companies that choose to participate with their products in a gift bag is, of course, that the recipient will find their products satisfactory, and ideally, that he or she will continue to consume the brand in the future.There are numerous scientific research contributions related to the use of free samples, but very few that concern the gift bag, where a collection of samples from different sources and brands appear.

The aim of this study is to analyze the construction of "Christian masculinity" during the modern era. This is made in opposition to earlier research that has claimed that masculinity could not be constructed religiously, that is, without at the same time being constructed as effeminate or anti-masculine.Using a wide variety of theoretical concepts - such as discourse analysis, class, secularisation, masculinity as constructed from countertypes, and finally masculinity as a homosocial construction - I analyze a free church in Sweden, the Scanian Missionary Society (Skånes Missionssällskap), during the period of ca 1939-1945 (the society was a district of the Swedish Covenant Church, or Svenska Missionsförbundet), in order to argue for the standpoint that masculinity, in fact, could be constructed religiously. The primary source is the society's weekly journal Sydposten.The main results in this study can be summarized as follows: 1) The leading men in the Scanian Missionary Society did, in fact, construct a Christian masculinity, i. e. a masculinity whose core values and ideals were Christian, e.g.

SEB Merchant Banking provides to its institutional customers a true market neutral product called Dynamic Manager Alpha (DMA). The DMA is constructed by a long position in an exceptionally well performing mutual fund and a beta adjusted short position in an appropriate index. The key to making the product market neutral is adjusting with the correct beta, since the beta changes, it is very important to have a good model for predicting beta in the future.This master thesis begins with describing what beta is in a CAPM sense. It then continues with recognizing the so called ?Two Beta Trap?, which separates two kinds of beta.

Towards the end of the 1960s, the credit financed purchase was well established in Sweden. The Swedish households were able to purchase goods, which had been considered unnecessary, or even luxurious, in the past. On the other hand, effective means to handle the increasing amount of debt and potential debtors were introduced; credit rating was registered, trade with insecure claims increased and if debtors could not fulfil their obligations, the creditors often used harsh or undue methods. By introducing Inkassolagen (1974:182), the legislator hoped to regulate the debt recovery process and ensure the fair treatment of debtors. The legislator also introduced liability for damages caused by a creditor in the collection process.

In regards to a request placed by the manager of Måltidsservice I Sollentuna Kommun, we have agreed to investigate the internal communication within the organization. The purpose of the essay is to describe the necessity of internal communication within the organization and to identify its strengths and weaknesses.It?s of the utmost importance that the internal communication is under constant care. It contributes to creating fellowship and to motivate people to greater achievements. At the end of the day it?s the managers responsibility to create a well-developed internal communication.

Denna rapport behandlar konstruktionsarbetet där målet är att ta fram ett lösningsförslag samt underlag för framtida utveckling av en sekundär böj för bensinrörsystem i plast. Arbetet genomfördes i helfart under period 4 vårterminen 2012 och är ett examensarbete på grundnivå för examen Högskoleingenjör inom konstruktion. Kungsörs Plast AB är projektets uppdragsgivare och de är i behov av en ny mer kompakt och mer konkurrenskraftig  true secondary 90º böj, det vill säga en böj som är helt omsluten av ett sekundärt mellanutrymme. Problematiken ligger i bibehållandet av det sekundära utrymmet genom hela komponenten. Detta arbete är tänkt som en förstudie för vidare utveckling på företaget. Projektet hade klara mål och direktiv att arbeta utifrån och en kravspecifikation upprättades i samarbete med uppdragsgivaren. Målet är att hitta en lösning som uppfyller samtliga krav och direktiv och sedan realisera dessa med hjälp av prototyper. Arbetet genomfördes utifrån en designprocess som SVID tagit fram. Denna är uppdelad i sex olika steg  som täcker upp allt som sker i arbetet från uppstart till avslut och utvärdering.

Facilitated by the breakthrough of the internet, new ways of organizing internet-based projects that harness the power of the crowds are becoming increasingly common. Today there are ways of using the crowd as paid labour, as funders of your new project ventures and even for helping scientists doing science. Staying true to its traditional principles of objectivity and trustworthiness while asking the crowd to contribute, crowd generated ?Citizen Science? does not provide even the slightest amount of pay in exchange for the time and effort put in by their contributors. Surely there can not be many people willing to do such a thing voluntarily? Actually, practice is showing the exact opposite with contributions counted in their millions among the more popular Citizen Science projects.

An inquiry into the post-war European aesthetic and political landscape should take the international organization Unesco?s colour reproductions and travelling exhibitions of paintings into consideration. In these, the organization implements André Malraux? idea of the ?imaginary museum? as a framework for a future cosmopolitical, aesthetic (and utopian) community. During the late 1940?s, the Swedish government also discusses the need for raising an ?aesthetic awareness? amongst their citizens as a consequence to a poor knowledge in the fine arts.

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.

AbstractTitle: A fair representation? A comparative study of the morning program guests and the context in which they are involved. Author: Hanna Brandt Parkvall & Adam So?derblom Tutor: Anne-Marie Morhed Purpose: This study aimed to investigate and compare the guests and the context in which they are involved, in the morning programs Gomorron Sverige on SVT1 and Nyhetsmorgon on TV4. The thesis is based on three questions that examine how representative the invited guests are in proportion to the country?s population, the subjects that occupy the most space and the types of guests that discuss these topics in the programs.