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Hur fungerar konkurrensen på bankmarknaden?: En empirisk studie av förändringar på bolån
Karlstad University, Faculty of Arts and Social Sciences (starting 2013), Karlstad Business School.
Karlstad University, Faculty of Arts and Social Sciences (starting 2013), Karlstad Business School.
2015 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
How is competition faring on the banking market : AN emipircal study of changes in mortgage rates (English)
Abstract [en]

Author: Martin Karlsson & Sebastian Dahlén, students at Karlstad Business School. Keywords: Bank, repo rate, changes, variable mortgage rate, margins, relationship, competition. Problem formulation: How do banks differ in behavior for increases and decreases of the repo rate. Purpose: The paper aims to examine how banks differ in their response to a decrease and increase in the repo rate. Two periods between 2002-2006 and 2010-2014 were studied to compare the competition on the bank market historically. Background: This segment gives a basic understanding on the bank market, interest rates and loans. Method: The study is a quantitative study of data for the floating mortgage rate over two time periods using regressions models. Articles, literature and reports form the basis of the theory segment. Theory: The paper gives a theoretical understanding on how pricing works on the banking market focusing on oligopoly theory. Empirical data: The data sample is based on secondary data retrieved from the banks’ official web sites. Analysis: The results are analyzed in a separate segment to give a better overview. iv Conclusion: The results show a correlation between the banks mortgage rate and the repo rate. The banks responses to decrease and increases of the repo rate differed for the years 2002-2006 and 2010-2014. For the first period banks were keener on decreasing their mortgage rates than increasing. The opposite relationship was found in the second period.

Place, publisher, year, edition, pages
2015. , p. 36
Keywords [en]
Bank, repo rate, changes, variable mortgage rate, margins, relationship, competition
Keywords [sv]
Bank, reporänta, förändringar, rörliga bolån, marginaler, förhållande, konkurrens
National Category
Economics
Identifiers
URN: urn:nbn:se:kau:diva-37804OAI: oai:DiVA.org:kau-37804DiVA, id: diva2:849972
Subject / course
Economics
Educational program
Business Administration and Economics, 180 hp
Presentation
2015-08-31, 13:48 (Swedish)
Supervisors
Available from: 2015-09-02 Created: 2015-08-31 Last updated: 2015-09-02Bibliographically approved

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fulltext(1166 kB)218 downloads
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CiteExportLink to record
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Citation style
  • apa
  • ieee
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Language
  • de-DE
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  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
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  • Other locale
More languages
Output format
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