Basel II effekter på kreditutlåning
: en kvalitativ studie om vilka effekter kapitalkrav i Basel II har för bankutlåning hos svenska storbanker.

Translated title of the thesis: Basel II effects on credit lending: A qualitative study on the effects of capital requirements in Basel II have for bank lending of Swedish big banks.
  • Besnik Tahiri

    Student thesis: Master, one year


    Banks fulfill important functions in society and work as financial intermediaries that provide payment services. Banks loans are important for the Swedish economy's development and progression. Credits fill many functions and the needs of society and organizations and the Member States is dependent on effective credit system. Banks are special operators since they are governed stronger than other companies and changes in banking systems can be received with resistance. Change in this respect is then Basel committee bolts on the parameters and increase capital requirements for banks. Credit will be of greater extent because they usually have a longer duration than bank deposits which can generate liquidity. Banks are very sensitive because the large amount and system changes can mean losses of large amounts. Interference in banks' systems can have a knock-on effect to other banks, which threatens the entire economy (Lind, 2005).


    The study theoretical approach deleted from new institutionalism theory through a legal perspective which examines legal changes impact on banks' credits .Theory has focused on concepts that reconnects with problem to be able to provide an analysis. Previous researchers who have examined Basel II regulatory framework has been taken into account for example, Hakenes and Schnabel (2011), Wahlström (2009), Repullo and Suarez (2004), Ruthenberg and Landskroner (2008) and Rime (2005). The study takes into account qualitative study, consisting of nine semi-structured interviews in four major banks. The study has applied deductive approach and the research philosophy hermeneutics to increase the understanding of how increased capital adequacy affected banks.


    The study results show in the same way as with previous researchers that banks will implement IRK method because this includes differentiated pricing with greater regard to risk aspects. The study shows that, Basel II has made it possible for banks to focus on low risk customers because it means that less capital need to be kept. The study also shows that, in contrast to previous research, the capital requirements reduce banks risk incentives because capital requirements will result in a fairer picture of the risks. Results of the study are that capital requirements have increased the banks’ capital adequacy ratio and the lending rate, but does not affect the credit volumes.

    Date of Award2015-Nov-17
    Original languageSwedish
    SupervisorLeif Holmberg (Supervisor) & Timurs Umans (Examiner)

    Educational program

    • Degree of Bachelor of Science in Business and Economics

    University credits

    • 15 HE credits

    Swedish Standard Keywords

    • Business Administration (50202)

    Cite this