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BASEL III: En studie om baselregelverkets påverkan på den svenska banksektorn
Jönköping University, Jönköping International Business School, JIBS, Business Administration. Jönköping University, Jönköping International Business School, JIBS, Accounting and Finance.
Jönköping University, Jönköping International Business School, JIBS, Business Administration. Jönköping University, Jönköping International Business School, JIBS, Accounting and Finance.
2011 (Swedish)Independent thesis Advanced level (degree of Master (One Year)), 20 credits / 30 HE creditsStudent thesisAlternative title
 BASEL III :  An investigation about the impact of Basel III on the Swedish banking sector (English)
Abstract [sv]

Titel: Basel III – En studie om baselregelverkets påverkan på den svenska banksektorn

 

Nivå: D-nivå (30 Högskolepoäng) inom ämnet företagsekonomi

 

Författare: Nour Reda 891029-xxxx, Johan Laryd 850131-xxxx

 

Handledare:

Per-Olof Bjuggren, Professor inom nationalekonomi; Economics, Finance and Statistics, Internationella Handelshögskolan.

Louise Nordström, Doktorand inom nationalekonomi; Economics, Finance and Statistics, Internationella Handelshögskolan.

 

Datum: Jönköping, Maj 2011

 

Frågeställningar: (i) Vilka behov finns för att det befintliga regelverket skall kompletteras? (ii) Hur kommer införandet av Basel III ändra kostnadsfördelningen mellan banken och dess kunder? (iii) Kommer införandet av Basel III leda till en stabilare finansiell marknad?

 

Syfte: Det övergripande syftet med denna studie är att beskriva och undersöka Basel III:s påverkan på den svenska banksektorn.

 

Metod: Författarna har inom studien använt en kvalitativ metod med en deduktiv ansats som tillvägagångssätt. De intervjufrågor som vi tagit fram har grundats på studiens tre frågeställningar. Respondenterna som intervjuats är personer som är ansvariga eller delaktiga i arbetet mot införandet av Basel III. Det har lämnats stort utrymme för respondenterna att kunna föra sina egna diskussioner för att vidare mynna till väldefinierade resultat.

 

Resultat Resultatet av denna studie visar att de svenska storbankerna är positivt inställda mot införandet av Basel III och tror att det nya regelverket kommer bidra till en stabilare finansiell marknad. Kritik riktas mot regelverkets nya krav på bankers likviditet, samt det bruttosoliditetskrav som kommer införas. Som en effekt av det nya regelverket kommer bankernas kostnader öka, vilket i sin tur kommer drabba deras kunder negativt, i form av högre räntekostnader.

Abstract [en]

Title: Basel III – An investigation about the impact of Basel III on the Swedish banking sector

 

Level: D-level (30 ECTS) Master Degree in Business Administration

 

Arthur: Nour Reda 891029-xxxx, Johan Laryd 850131-xxxx

 

Supervisor:

Per-Olof Bjuggren, Professor in Economics, Department; Economics, Finance and Statistics, International Business School.

Louise Nordstrom, PhD in economics, Department; Economics, Finance and Statistics, International Business School.

 

Date: Jonkoping, May 2011

 

Questions: (i) Is there any needs for the existing set of regulations to be complemented? (ii) How will the new set of regulations effect the cost distribution between the Swedish banks and their clients? (iii) Will the effects of Basel III lead to a more stable financial market?

 

Purpose: The overall goal of this paper is to describe and examine the impact of Basel III on the Swedish banking sector.

 

Method: The authors have used a qualitative method with a deductive approach for the thesis. The interview questions are founded on the basis of the three question formulations of the thesis. The respondents who were interviewed are persons responsible or somehow involved in work towards the introduction of Basel III. There has been considerable scope for respondents to bring their own discussions in order to achieve well-defined results.

 

Result: The result of this study shows that the major Swedish banks have a positive attitude towards the implementation of Basel III, and that they believe the new regulation will contribute to a more stable financial market. The new liquidity ratios and the leverage ratio are given criticism from the banks. A direct effect of the new regulation is increased costs for Swedish Banks. Which will affect their customers negatively through a higher cost of capital.

Place, publisher, year, edition, pages
2011. , 53 p.
Keyword [en]
Bailout, Moral Hazard
Keyword [sv]
BNP, Economies of Scale, Företagsobligation, Hybridkapital, Kapitaltäckningsgrad, Operativ risk, Räntabilitet, stresstest, Tillsynsmyndighet
National Category
Business Administration
Identifiers
URN: urn:nbn:se:hj:diva-15688OAI: oai:DiVA.org:hj-15688DiVA: diva2:430827
Subject / course
IHH, Business Administration
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2011-08-05 Created: 2011-07-12 Last updated: 2011-08-05Bibliographically approved

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