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Svenska renodlade Internetbanker i det finansiella systemet
Södertörn University, School of Social Sciences.
Södertörn University, School of Social Sciences.
2015 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Syfte: Att undersöka svenska renodlade Internetbanker - “PPI-banker”, och utefter deras strategi studera deras lönsamhet samt om de utgör risker för den finansiella stabiliteten.

Teori:  Tidigare forskning kring PPI-banker har påvisat varierande resultat och fokus har skiftat från PPI-bankernas prestation till deras påverkan på den finansiella stabiliteten. Det teoretiska perspektivet vidgas med traditionella teorier kring bankers strategier och risker. Riskerna som behandlas är främst likviditetsrisk samt risker för stabiliteten i det finansiella systemet.

Metod:  Studien har genom blandad strategi, med kvantitativ metod för datainsamling och en kvalitativ analys studerat svenska PPI-banker. PPI-bankerna har jämförts mellan varandra men även som grupp mot de fyra svenska storbankerna för att studera strategi och prestation på marknaden. Med hjälp av teori gällande strategier, traditionell bankteori och tidigare forskning inom PPI-banker har en jämförande studie med en tvärsnittsdesign genomförts.

Empiri:  Resultatet visade att de svenska PPI-bankerna var lönsammare än de svenska storbankerna mellan år 2007 och 2014 men att PPI-bankerna uppvisade stora skillnader sinsemellan sett till deras strategier.

Slutsats: PPI-bankerna tar kapital från storbankerna, men det beror inte på att de erbjuder en mer förmånlig ränta än storbankerna. De investerar inte i riskfyllda investeringar då vissa av PPI-bankerna i stället bedriver företagsfinansiering genom bland annat leasing och factoring. Det konstaterades även att PPI-strategin inte ansågs lämplig för de svenska Internetbankerna.

Abstract [en]

In recent years Pure Play Internet-banking as a strategy has become increasingly competitive towards traditional benchmark banks. At the same time a Swedish bank released a report where they were concerned about the traditional benchmark banks in Sweden losing capital on the deposits market.

The problem is that PPI-banks with their strategy - lower costs and favorable interest rates - can grow rapidly on the deposits market. This results in liquidity surpluses which have to be invested to cover the increased capital cost from increased deposits.

At first, this essay aims to study if PPI-strategy leads to better performance than traditional banks with physical branches, seen to ROE and ROA. This essay will also study if the Pure Play Internet-banks (PPI-banks) in Sweden are increasing their market shares on the deposits market and if their favorable interest rates are the cause. At last, this essay will discuss what risks the PPI-banks can pose to the Sweden’s financial stability.

The results shows that PPI-banks in Sweden did increase their market shares on the deposit market between 2007 and 2013, but it was not because of their favorable interest rates as proposed by researchers within the field (DeYoung 2005; Arnold & Van Ewijk 2011). Further they performed better than benchmark banks, seen to ROE and ROA, but there were some differences in the strategies between the banks.

This study concludes that PPI-banks in Sweden did not perform better because of the PPI-strategy but because of their different strategies and investing activities.

Place, publisher, year, edition, pages
2015. , 48 p.
Keyword [en]
Internet banking, bank profitability, Pure Play Internet
Keyword [sv]
Internetbanker, Bankers lönsamhet, Pure Play Internet
National Category
Business Administration
URN: urn:nbn:se:sh:diva-27805OAI: diva2:823849
Subject / course
Business Studies
Social and Behavioural Science, Law
Available from: 2015-06-22 Created: 2015-06-18 Last updated: 2015-06-22Bibliographically approved

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