Dissertation/Thesis
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Effekten av Basel III - En fallstudie om en banks företagsutlåning

Λεπτομέρειες βιβλιογραφικής εγγραφής
Τίτλος: Effekten av Basel III - En fallstudie om en banks företagsutlåning
Συγγραφείς: Leksell, Niclas, Herrgårdh, Fabian
Συνεισφορές: University of Gothenburg/Department of Business Administration, Göteborgs universitet/Företagsekonomiska institutionen
Έτος έκδοσης: 2020
Συλλογή: University of Gothenburg: GUPEA (Gothenburg University Publications Electronic Archive)
Θεματικοί όροι: Basel III, Baselkommittén, Utlåningsvolym, Lånekostnad, Kapitalkrav, Kärnprimärkapital (CET1), Primärkapital (tier 1), Supplementärkapital (tier 2), Kapitalkonserveringsbuffert, Kontracyklisk kapitalbuffert, Systemriskbuffert, Likviditetstäckningsgraden (LCR), Nettofinansieringskvoten (NSFR), Bruttosoliditet, Rating, Basel Committee, Lending volume, Lending cost, Capital requirements, Common Equity Tier 1 (CET1), Additional Tier 1 (AT1), Tier 2, The Capital Conservation Buffer, The Countercyclical Capital Buffer, The Systemic Risk Buffer, The Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Leverage Ratio
Περιγραφή: Following the financial crisis of 2007 - 2008 stricter regulations were introduced to the international banking system. This regulatory framework came to be referred to as Basel III and involves major changes for active banks and the financial sector. Since the introduction of the regulatory framework, researchers have been worried about the consequences these rules will have for banks and how it will affect companies, the welfare and economy. The purpose of the thesis is to explain the effect Basel III has on lending to a bank's corporate customers. The purpose has been broken down to two research questions that, when answered, will explain a bank's lending volume and lending costs after Basel III. The study was conducted through a case study at a large bank. The data consist of seven qualitative in-depth interviews with employees at the bank whom explained how Basel III affected the bank's lending. The interviewed respondents work either directly with regulations or as corporate advisers and will together explain how their corporate customers have been affected by Basel III. The study shows that the bank has not reduced its lending volume or experienced a negative loan growth during and after the implementation of Basel III. This, because the bank has been well prepared for the new requirements and the implementation process has been ongoing during a longer period of time. This has enabled the bank to adjust to the new changes to not experience any major effects after the implementation of the new regulatory framework. The data collected shows that the bank also raises its lending costs towards the bank’s customers after Basel III, which is because the bank's cost of equity has increased after the stricter capital adequacy rules in Basel III. The study has provided current practical evidence of how a bank experience that lending to their corporate customers has been affected after Basel III. The results of the study have been generalized to previous research results and have contributed to develop the ...
Τύπος εγγράφου: Thesis
Περιγραφή αρχείου: application/pdf
Γλώσσα: Swedish
Relation: Industriell och finansiell ekonomi; 19/20:17; https://hdl.handle.net/2077/65423
Διαθεσιμότητα: https://hdl.handle.net/2077/65423
Αριθμός Καταχώρησης: edsbas.99F20076
Βάση Δεδομένων: BASE
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  – Url: https://hdl.handle.net/2077/65423#
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IllustrationInfo
Items – Name: Title
  Label: Title
  Group: Ti
  Data: Effekten av Basel III - En fallstudie om en banks företagsutlåning
– Name: Author
  Label: Authors
  Group: Au
  Data: <searchLink fieldCode="AR" term="%22Leksell%2C+Niclas%22">Leksell, Niclas</searchLink><br /><searchLink fieldCode="AR" term="%22Herrgårdh%2C+Fabian%22">Herrgårdh, Fabian</searchLink>
– Name: Author
  Label: Contributors
  Group: Au
  Data: University of Gothenburg/Department of Business Administration<br />Göteborgs universitet/Företagsekonomiska institutionen
– Name: DatePubCY
  Label: Publication Year
  Group: Date
  Data: 2020
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  Data: University of Gothenburg: GUPEA (Gothenburg University Publications Electronic Archive)
– Name: Subject
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  Data: <searchLink fieldCode="DE" term="%22Basel+III%22">Basel III</searchLink><br /><searchLink fieldCode="DE" term="%22Baselkommittén%22">Baselkommittén</searchLink><br /><searchLink fieldCode="DE" term="%22Utlåningsvolym%22">Utlåningsvolym</searchLink><br /><searchLink fieldCode="DE" term="%22Lånekostnad%22">Lånekostnad</searchLink><br /><searchLink fieldCode="DE" term="%22Kapitalkrav%22">Kapitalkrav</searchLink><br /><searchLink fieldCode="DE" term="%22Kärnprimärkapital+%28CET1%29%22">Kärnprimärkapital (CET1)</searchLink><br /><searchLink fieldCode="DE" term="%22Primärkapital+%28tier+1%29%22">Primärkapital (tier 1)</searchLink><br /><searchLink fieldCode="DE" term="%22Supplementärkapital+%28tier+2%29%22">Supplementärkapital (tier 2)</searchLink><br /><searchLink fieldCode="DE" term="%22Kapitalkonserveringsbuffert%22">Kapitalkonserveringsbuffert</searchLink><br /><searchLink fieldCode="DE" term="%22Kontracyklisk+kapitalbuffert%22">Kontracyklisk kapitalbuffert</searchLink><br /><searchLink fieldCode="DE" term="%22Systemriskbuffert%22">Systemriskbuffert</searchLink><br /><searchLink fieldCode="DE" term="%22Likviditetstäckningsgraden+%28LCR%29%22">Likviditetstäckningsgraden (LCR)</searchLink><br /><searchLink fieldCode="DE" term="%22Nettofinansieringskvoten+%28NSFR%29%22">Nettofinansieringskvoten (NSFR)</searchLink><br /><searchLink fieldCode="DE" term="%22Bruttosoliditet%22">Bruttosoliditet</searchLink><br /><searchLink fieldCode="DE" term="%22Rating%22">Rating</searchLink><br /><searchLink fieldCode="DE" term="%22Basel+Committee%22">Basel Committee</searchLink><br /><searchLink fieldCode="DE" term="%22Lending+volume%22">Lending volume</searchLink><br /><searchLink fieldCode="DE" term="%22Lending+cost%22">Lending cost</searchLink><br /><searchLink fieldCode="DE" term="%22Capital+requirements%22">Capital requirements</searchLink><br /><searchLink fieldCode="DE" term="%22Common+Equity+Tier+1+%28CET1%29%22">Common Equity Tier 1 (CET1)</searchLink><br /><searchLink fieldCode="DE" term="%22Additional+Tier+1+%28AT1%29%22">Additional Tier 1 (AT1)</searchLink><br /><searchLink fieldCode="DE" term="%22Tier+2%22">Tier 2</searchLink><br /><searchLink fieldCode="DE" term="%22The+Capital+Conservation+Buffer%22">The Capital Conservation Buffer</searchLink><br /><searchLink fieldCode="DE" term="%22The+Countercyclical+Capital+Buffer%22">The Countercyclical Capital Buffer</searchLink><br /><searchLink fieldCode="DE" term="%22The+Systemic+Risk+Buffer%22">The Systemic Risk Buffer</searchLink><br /><searchLink fieldCode="DE" term="%22The+Liquidity+Coverage+Ratio+%28LCR%29%22">The Liquidity Coverage Ratio (LCR)</searchLink><br /><searchLink fieldCode="DE" term="%22Net+Stable+Funding+Ratio+%28NSFR%29%22">Net Stable Funding Ratio (NSFR)</searchLink><br /><searchLink fieldCode="DE" term="%22Leverage+Ratio%22">Leverage Ratio</searchLink>
– Name: Abstract
  Label: Description
  Group: Ab
  Data: Following the financial crisis of 2007 - 2008 stricter regulations were introduced to the international banking system. This regulatory framework came to be referred to as Basel III and involves major changes for active banks and the financial sector. Since the introduction of the regulatory framework, researchers have been worried about the consequences these rules will have for banks and how it will affect companies, the welfare and economy. The purpose of the thesis is to explain the effect Basel III has on lending to a bank's corporate customers. The purpose has been broken down to two research questions that, when answered, will explain a bank's lending volume and lending costs after Basel III. The study was conducted through a case study at a large bank. The data consist of seven qualitative in-depth interviews with employees at the bank whom explained how Basel III affected the bank's lending. The interviewed respondents work either directly with regulations or as corporate advisers and will together explain how their corporate customers have been affected by Basel III. The study shows that the bank has not reduced its lending volume or experienced a negative loan growth during and after the implementation of Basel III. This, because the bank has been well prepared for the new requirements and the implementation process has been ongoing during a longer period of time. This has enabled the bank to adjust to the new changes to not experience any major effects after the implementation of the new regulatory framework. The data collected shows that the bank also raises its lending costs towards the bank’s customers after Basel III, which is because the bank's cost of equity has increased after the stricter capital adequacy rules in Basel III. The study has provided current practical evidence of how a bank experience that lending to their corporate customers has been affected after Basel III. The results of the study have been generalized to previous research results and have contributed to develop the ...
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  Data: application/pdf
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  Data: Swedish
– Name: NoteTitleSource
  Label: Relation
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  Data: Industriell och finansiell ekonomi; 19/20:17; https://hdl.handle.net/2077/65423
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  Data: https://hdl.handle.net/2077/65423
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  Label: Accession Number
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  Data: edsbas.99F20076
PLink https://search.ebscohost.com/login.aspx?direct=true&site=eds-live&db=edsbas&AN=edsbas.99F20076
RecordInfo BibRecord:
  BibEntity:
    Languages:
      – Text: Swedish
    Subjects:
      – SubjectFull: Basel III
        Type: general
      – SubjectFull: Baselkommittén
        Type: general
      – SubjectFull: Utlåningsvolym
        Type: general
      – SubjectFull: Lånekostnad
        Type: general
      – SubjectFull: Kapitalkrav
        Type: general
      – SubjectFull: Kärnprimärkapital (CET1)
        Type: general
      – SubjectFull: Primärkapital (tier 1)
        Type: general
      – SubjectFull: Supplementärkapital (tier 2)
        Type: general
      – SubjectFull: Kapitalkonserveringsbuffert
        Type: general
      – SubjectFull: Kontracyklisk kapitalbuffert
        Type: general
      – SubjectFull: Systemriskbuffert
        Type: general
      – SubjectFull: Likviditetstäckningsgraden (LCR)
        Type: general
      – SubjectFull: Nettofinansieringskvoten (NSFR)
        Type: general
      – SubjectFull: Bruttosoliditet
        Type: general
      – SubjectFull: Rating
        Type: general
      – SubjectFull: Basel Committee
        Type: general
      – SubjectFull: Lending volume
        Type: general
      – SubjectFull: Lending cost
        Type: general
      – SubjectFull: Capital requirements
        Type: general
      – SubjectFull: Common Equity Tier 1 (CET1)
        Type: general
      – SubjectFull: Additional Tier 1 (AT1)
        Type: general
      – SubjectFull: Tier 2
        Type: general
      – SubjectFull: The Capital Conservation Buffer
        Type: general
      – SubjectFull: The Countercyclical Capital Buffer
        Type: general
      – SubjectFull: The Systemic Risk Buffer
        Type: general
      – SubjectFull: The Liquidity Coverage Ratio (LCR)
        Type: general
      – SubjectFull: Net Stable Funding Ratio (NSFR)
        Type: general
      – SubjectFull: Leverage Ratio
        Type: general
    Titles:
      – TitleFull: Effekten av Basel III - En fallstudie om en banks företagsutlåning
        Type: main
  BibRelationships:
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      – PersonEntity:
          Name:
            NameFull: Leksell, Niclas
      – PersonEntity:
          Name:
            NameFull: Herrgårdh, Fabian
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            NameFull: University of Gothenburg/Department of Business Administration
      – PersonEntity:
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            NameFull: Göteborgs universitet/Företagsekonomiska institutionen
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          Dates:
            – D: 01
              M: 01
              Type: published
              Y: 2020
          Identifiers:
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