Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv
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...
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2013
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ndltd-UPSALLA1-oai-DiVA.org-sh-267482015-03-27T05:15:26ZRegelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektivsweKaraca, DenizGhaderi, MohsenSödertörns högskola, Institutionen för samhällsvetenskaperSödertörns högskola, Institutionen för samhällsvetenskaper2013Basel IIBasel IIIReturn on EquityCapital Adequacy rulesCapital Adequacy RatioBasel IIBasel IIIräntabilitet på eget kapital(ROE)kapitaltäckningsreglerkapitaltäckningsgradResearch 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. Student thesisinfo:eu-repo/semantics/bachelorThesistexthttp://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-26748application/pdfinfo:eu-repo/semantics/openAccess |
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Swedish |
format |
Others
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Basel II Basel III Return on Equity Capital Adequacy rules Capital Adequacy Ratio Basel II Basel III räntabilitet på eget kapital(ROE) kapitaltäckningsregler kapitaltäckningsgrad |
spellingShingle |
Basel II Basel III Return on Equity Capital Adequacy rules Capital Adequacy Ratio Basel II Basel III räntabilitet på eget kapital(ROE) kapitaltäckningsregler kapitaltäckningsgrad Karaca, Deniz Ghaderi, Mohsen Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv |
description |
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. |
author |
Karaca, Deniz Ghaderi, Mohsen |
author_facet |
Karaca, Deniz Ghaderi, Mohsen |
author_sort |
Karaca, Deniz |
title |
Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv |
title_short |
Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv |
title_full |
Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv |
title_fullStr |
Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv |
title_full_unstemmed |
Regelverket Basel : Övergången från Basel II till Basel III utifrån bankernas perspektiv |
title_sort |
regelverket basel : övergången från basel ii till basel iii utifrån bankernas perspektiv |
publisher |
Södertörns högskola, Institutionen för samhällsvetenskaper |
publishDate |
2013 |
url |
http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-26748 |
work_keys_str_mv |
AT karacadeniz regelverketbaselovergangenfranbaseliitillbaseliiiutifranbankernasperspektiv AT ghaderimohsen regelverketbaselovergangenfranbaseliitillbaseliiiutifranbankernasperspektiv |
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