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Effects of increased regulation on small banks' management control practices: A case study of a Swedish savings bank
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Business Studies.
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Business Studies.
2019 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

This paper sets out to investigate the effects on small banks’ management control practices from increasing regulation following the 2008 financial crisis. The changes to banks’ management control practices may in turn have implications for banks’ competitive advantages and strategies. A qualitative case study of a Swedish savings bank was carried out, gathering data through six semi-structured interviews of representatives at different levels. Our findings indicate that the increased regulatory pressure has increased both the scope and scale of administrative as well as cybernetic controls. A relative change of focus, from business- to compliance-oriented was also detected in connection with the planning and cybernetic controls. The increase in mainly administrative controls and the resulting regulatory burden suggest that it may be difficult for small and decentralized banks to pursue their chosen strategy unless they are able to find alternative ways of dealing with this burden.

Abstract [sv]

Uppsatsen redogör för vår undersökning av effekterna av ökande reglering på små, lokala bankers styrning i kölvattnet av 2008 års finanskris. Förändringarna av styrningen kan i sin tur ha betydelse för bankers komparativa fördelar, och deras strategier. En kvalitativ fallstudie av en svensk sparbank genomfördes och innefattade sex semi-strukturerade intervjuer av medarbetare på olika nivåer. Resultaten pekar på att det ökade regleringstrycket har ökat omfattningen av styrning kopplad till governance, organisationsstrukturer, policies och processbeskrivningar men även uppföljning. En förskjutning av fokus, från affärsorienterat mot compliance-orienterat, sågs också i anslutning till styrning som hade att göra med planering och uppföljning. Den betydande ökningen av styrning övervägande kopplad till governance, organisationsstrukturer, policies och processbeskrivningar antyder att det kan bli svårt för små lokala banker att behålla sin strategi om de inte lyckas finna alternativa sätt att hantera den ökade bördan som den förändrade styrningen innebär.

Place, publisher, year, edition, pages
2019. , p. 49
Keywords [en]
regulation, compliance, banks, management control, decentralized, mechanistic
Keywords [sv]
regleringar, compliance, banker, ekonomistyrning, decentralisering
National Category
Business Administration
Identifiers
URN: urn:nbn:se:uu:diva-391985OAI: oai:DiVA.org:uu-391985DiVA, id: diva2:1346193
Subject / course
Business Studies
Educational program
Freestanding course
Supervisors
Examiners
Available from: 2019-08-27 Created: 2019-08-27 Last updated: 2019-08-27Bibliographically approved

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CiteExportLink to record
Permanent link

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Citation style
  • apa
  • ieee
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Output format
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