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Likviditetskrav: Är det nödvändigt för svenska storbanker?
Södertörn University, School of Business Studies.
Södertörn University, School of Business Studies.
2012 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Finansiella kriser kostar marknaden flera miljarder kronor. 1974 bildades Baselkommittén för att försöka förhindra framtida kriser. Kommittén har kommit fram till flera regelverk som hela tiden förbättras. De svenska bankerna blir tvungna att anpassa sig till regelverken, vilket påverkar flera aktörer.

Med denna studie skall vi undersöka vilka konsekvenser Basel III:s nya kapitalkrav och likviditetskrav kan få på de svenska storbankerna och deras privatkunder.

Resultat av studien visar att likviditetskrav är nödvändigt för att banker skall ha tillräckligt med likvida medel samt undvika bankkriser under t.ex. en lågkonjunktur. Regel-verkets likviditetskrav kommer inte ha en signifikant påverkan hos de svenska storbankerna. Bankerna har inte problem med att anskaffa mer likviditet. De svenska storbankerna har stora mängder eget kapital, hög lönsamhet och starka statsfinanser. Samtliga storbanker uppfyller redan de föreslagna kapital-täckningskraven. De svenska storbankerna kommer inte påverkas negativt av de nya kapitalkraven.

Abstract [en]

Financial market crises cost several billion dollars. In 1974 the Basel Committee was founded to  prevent future crises. The Committee has come up with several regulations that are continuously improved. The Swedish banks are forced to adapt to the regulations, which affect several actors.

In this study, we examine what consequences the Basel III's new capital and liquidity requirements may have on the major Swedish banks and their retail customers.

Results show that liquidity requirements are necessary for banks to have sufficient liquidity and prevent bank crises during a recession. The liquidity requirements will not have a significant impact at the major Swedish banks. The banks have no problems to raise more liquidity.      The major Swedish banks have large amounts of equity, high profitability and strong public finances. All the major banks already meet the proposed capital adequacy requirements. The major Swedish banks will not be adversely affected by the new capital requirements.

Place, publisher, year, edition, pages
2012. , p. 55
Keywords [sv]
Likviditetskrav, Basel III, Kapitaltäckning
National Category
Business Administration
Identifiers
URN: urn:nbn:se:sh:diva-16691OAI: oai:DiVA.org:sh-16691DiVA, id: diva2:537448
Subject / course
Business Studies
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2012-06-27 Created: 2012-06-26 Last updated: 2012-06-27Bibliographically approved

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