Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv

• Main Authors: Karaca, Deniz, Ghaderi, Mohsen
• Format: Others
• Language: Swedish
• Published: Södertörns högskola, Institutionen för samhällsvetenskaper 2013
• Subjects: Basel II; Basel III; Return on Equity; Capital Adequacy rules; Capital Adequacy Ratio; räntabilitet på eget kapital(ROE); kapitaltäckningsregler; kapitaltäckningsgrad
• Online Access: http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-26748

Research issue: The transition from Basel II to Basel III becomes consuming for banks, financially. But Basel III should be profitably for financial market economy. Risks in the financial world is very complex. Is Basel III is sufficient to manage risk and future crises Purpose: The purpose of this paper is to examine the application of Basel II and the transition to Basel III in Sweden with the banking system in focus. Method: The study has a qualitative research methodology for the collection of empirical data. The study is based on interviews with four large banks of Sweden (Swedbank, SEB, Nordea, Handelsbanken) and with Finansinspektionen. We also used previous studies, books and rapports. Conclusions: Basel has no direct connection to the profitability of the banks. The translation to Basel III was an obvious step for a more stable financial market. With Basel III it became more expensive for the banks; the more cost the less returns and hence led dividends for shareholders. But the banks will not bear the costs themselves, the costumers will get affected. Banks have begun to adapt to Basel III. There are requirements to save equity immediately not only in crisis. Which leads to the return is not likely to be lowered at bad times.