Sustainability is today a current topic and companies are more or less forced to work with it even though it contradicts the historical role of companies, which is to generate a profit for shareholders. In recent years there has been a rising interest from Banks to work with sustainability but research has shown a growing dissatisfaction among customers even though Banks are spending a lot of money and time working with sustainability. This shows that there is an asymmetry between how the Banks act and what their customers demand. The purpose of this paper is to create an understanding of how business customers perceive Banks´ CSR-reports by investigating customers? interest in these reports.

Banks are an important institution for the economy of a society. During the later years the world of banking has changed. Several new actors have entered the market and taken over traditional Bankservices as well as new ones. The way of conducting banking has changed with the event of new technology. One of the Banks customer segments, the students have also been under a change.

Banks are an important institution for the economy of a society. During the later years the world of banking has changed. Several new actors have entered the market and taken over traditional Bankservices as well as new ones. The way of conducting banking has changed with the event of new technology. One of the Banks customer segments, the students have also been under a change. With a changed market companies have to adapt to the new rules of the game.

The competition has increased with the establishment of the new Banks and the credit institutes taking on the market, the big Banks are no longer alone on the market.In speed with the increased range, have also the marketing and the recruit of new bank customers become more driven.Bank customers with lacks in the Swedish language, is a segment with potential which doesn?t get used by the Banks and in turn of that the bank customers doesn?t get their needs satisfied.The purpose with this survey was to analyze if the four largest Banks, Föreningssparbanken, Handelsbanken, Nordea and SEB had prepared strategies that were directed to bank customers with lacks in the Swedish language. In those cases the Banks had strategies, respective measures were presented.Furthermore the bank customers with lacks in the Swedish language were studied if they experienced that the Banks were using measures to satisfy their language needs in contact with the Banks and presented the benefit of them.The information about the Banks strategies was assembled through interviews with persons from each bank. The bank customers experience was assembled through a questionnaire survey.The result showed that the Banks hade different strategies for reaching out to these customers, it was from showing understanding to multicultural offices. Half of the customers appreciated that the Banks pressured themselves for them by being patient, explained the services and in some cases had staff that could several language.

This thesis investigates the 200 year old phenomena of savings Banks and if they increase the economic growth (GDP) in the local region they act in. That is being done by testing three hypotheses; the savings Banks increase the attractiveness of the region they act in; the savings Banks increase the entrepreneurship in the region they act in; and the savings Banks increase the economic growth in region they act in. This quantitative cross-sectional study with data from the year 2010, finds that the savings Banks increase the attractiveness of the local region, most likely through the efforts and financials they put into different local projects. A positive result is also found for increased entrepreneurship in the regions that have a local savings bank. The result is explained by the savings Banks relationship lending, which increase the likeliness for a company to get the credit they need to start and develop.

The concepts of environmental scanning and Business Intelligence have gained increased interest over the last years in a number of different organisational contexts. The research in this field has mainly been dealing with methods and issues regarding organisation but the aim of environmental scanning, the forming of new perspectives, has been largely ignored. The purpose of this thesis is to study how Swedish joint-stock Banks put environmental scanning and Business Intelligence into practice. First a literature study is made to create a background and to explain the different conceptions. Then I describe the different functions of the different services in Swedish joint-stock Banks.

Background and problem: The importance of Banks was clearly shown during the last financial crises, when the crises that started in the banking sector spread to the rest of the world. This is one of the reasons that this thesis is focused on Banks in particular, one other reason is that a lot of previous studies has chosen to exclude Banks because of the fact that their balance sheet differ from non-financial companies. This thesis is a beginning in filling in the gap that exists in the knowledge of Banks capital structure. Purpose: The purpose of this thesis is to prove that it is possible to explain the capital structure in Banks and that differences in the capital structure of the Banks in Great Britain, Sweden and the United states of America exists. Method: The fact that our study is partly a replication of two earlier studies made a deductive approach most appropriate.

The financial crisis in the beginning of the 1990´s the financial crisis had a strong impact on the Swedish economy. Some of the main actors in the crisis were the largest Banks of Sweden which brought a huge amount of losses on themselves. One of the main reasons for this was that the Banks focused on volume increases rather than on credit losses. The credit analysis process is performed differently these days and it is the development of this process that is the focus for the authors.This thesis is about the credit analysis process in the four largest Banks of Sweden. The purpose of the thesis is to highlight which factors the Banks include in the credit analysis process and in how small and medium size companies are treated in this process.

The first official Islamic bank was established in 1975. The characteristic of an Islamic bank is that the bank is based on an interest free system. The interest free system is a requirement for an Islamic bank. The Islamic bank system is based on Sharia laws which are laws that are followed by Muslims and it is based on the text from the Quran. The Islamic Banks had a rapid expansion between 1993 and 2003, the expansion was about 23 percent and since 2003 have the expansion been about 20 percent.

Today all private corporations are obligated by statutory audit. The government of Sweden appointed an investigation to conclude if the audit should be statutory or not. The investigator presented on the third of April 2008 a report (SOU 2008:32) that suggests abolishment of the statutory audit for approximately 97 % of all private corporations in Sweden. This will result in certain effects on the Banks credit rating because of the fact that the Banks trust the audited accounts to have been audited by an independent audit.The most important in the Banks credit rating are: personal judgement, business concept, business plan and repayment ability. The Banks also use the private corporations audited accounts in its credit rating.We conducted a case study by interviewing four bank officials in different Banks in Skövde and Tibro.

The recent development in society?s structure has given rise to a more complex reality for the SwedishBanks. There is an increased pressure from external stakeholders for the Banks to take a greater socialresponsibility in society; the bank must therefore focus on both direct as well as indirect effects of itsactions. The term corporate social responsibility implies that the company does not only focus on itsfinancial status but also on values such as ethics and environment. These commitments are crystalized,more or less clearly, in the Banks? lending policy?s, whom are entirely defined by the Banksthemselves.The nature of the abstract CSR expression gives rise to uncertainty, both in regards to the Banks ownefforts towards social responsibility but also for the external stakeholders, for which it can be quitedifficult to understand what commitments are actually made.This study aims to investigate how the Swedish Banks public statements, with regards to their lendingpolicy, correlates with the actual actions carried out by the Banks.

I conducted this examinasions work because I want to find out how loan to farmes are working and more specific towards younger farmers. What you have to think about before you go to the bank and what the Banks are thinking about lending money to farmers. This work is based on an investment plan propasal for 20 000 laying hens on a farm in the Kalmar area. The investment plan propasals have two diffrent alternetives, one farm on 25 hectares and one on 50 hectares. I have chosen this becouse I wanted to study how the diffrent sizes of farms are changing the Banks thoughts about lending money. These investment plan propasals have included four Banks with questionnaire and deep interview.

Banks and their products are traditionally characterized as high involvement, informational purchases and as such there is a need to shape the market communication to be logical and catering to the need for information that customers are bound to have. With the advent of social media and web 2.0 a company can no longer opt out of the online discourse regarding their company. As social medias are characterized by being an active media, tailored to personal exchanges and opinions, the match with the high involvement approach that Banks usually have to employ is not always ideal. We have examined what happens when Banks use different degrees of personal message content and sender profiles on Twitter. Our findings suggest that while some strategies generate higher WOM intentions, others may provide a greater level of sender credibility..

Background: Sweden and the rest of the world went through the biggest financial crisis at the end of 2008 since the 1930s. The major Swedish Banks have goodwill related to their acquisitions inside and outside Scandinavia. Swedbank, SEB and Nordea has acquired in the Baltic countries and Russia, however Handelsbanken has established itself in Great Britain. The crisis in the Baltic countries led that real wages fell, unemployment rose, real estate prices collapsed and the number of borrowers who had trouble repaying their loans increased rapidly. All this led to the problem of impairment of goodwill in the Swedish Banks that had expanded rapidly in the Baltic countries.Aim: The aim of this study is to investigate the application of IFRS 3 in Swedish Banks before, during and after the financial crisis, and to investigate the low-downs in the four majorSwedish Banks in 2006-2010.Completion: The study is primarily based on the case studies by the examination of the annual reports from all Banks as well as evaluation of the interviews.The authors have chosen to makea strategic choice of a small number of cases through the concentration on the impairment of goodwill in the bank sector of Sweden.Results: The result of this study is that there are problems for Banks in implementation of IFRS 3 in practice because of insufficient information in the Banks' financial statements.Generous estimates used in the calculation of impairment testing.

Traditionally, it has been argued that companies are only responsible towards their shareholders, to maximize the profits. But lately it has changed into another way of responsibilty. It has become of great importance to demonstrate sustainable long-term values for stakeholders to identify with. This thesis aims to clarify the Banks? definition of responsible investment and what criteria they assume when talking about such kind of investments.