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  • 1.
    Ulfström, Emil
    University of Skövde, School of Business.
    Medlemsbankernas riskhantering: med samhällsengagemang som ledstjärna2014Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
    Abstract [en]

    In Sweden today there are two member banks, JAK Medlemsbank and Ekobanken. They differ from the Swedish commercial banks by looking at themselves and their role from a social perspective. Banking is associated with risks, mainly credit risk but also other risks. Banks' risk management becomes more and more technologically advanced. The study aims to contribute to greater understanding of how Sweden's member banks manage their risks compared to the commercial banks.

    Two theories of human models are presented; Homo Politicus, social man, and Homo Economicus, the rational profit-maximizing man. The different groups of banks differ in business logic and driving force which finds support in these two theories.

    The study makes a comparative analysis of data from three different collection methods. Both quantitative and qualitative methods are used to come to an accurate conclusion.

    The member banks are driven by a genuine social commitment and their CSR work is well integrated into everyday operations, while at the commercial banks are CSR efforts more besides banking. The member banks show an openness and this is a great addition to their liquidity buffers in a liquidity crisis. The commercial banks' risk analysis of credit based more closely on measurable quantitative factors than the member banks where there is a greater focus on qualitative factors. Although the tools of risk analysis differ member banks and the commercial banks. The commercial banks have centrally developed decision support as a base in its risk analysis while the member banks have a more manual handling. Basel III, the new regulations with stricter requirements for capital and liquidity requirements for banks have not had any negative impact on member banks, as their margins even before the introduction was better than the new stricter discipline. However, the increased workload on the new comprehensive regulatory framework affecting the member banks.

    That member banks can conduct banking activities from a social perspective rather than a more traditional profit-maximizing perspective can be explained by that bank customers accept the higher requirements from the banks, either in the form of collateral or savings alongside loans. This is possible because the member banks members, who is also a partner, are closer to the theory of Homo Politicus like member banks than Homo Economicus that the commercial banks are closer to.

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