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The need for liquidity and the capital structure of Swedish Banks following the financial crisis
University of Gothenburg.
University of Gothenburg.
University of Gothenburg.
2014 (English)In: International Journal of Finance & Banking Studies, ISSN 2147-4486, Vol. 3, no 2, 10-27 p.Article in journal (Refereed) Published
Abstract [en]

Banks had a large part in the developments taking place in the years after the outbreak of the crisis in 2007, as many banks had anexcessively low capital base, involving too much risk in its businesses. In this study, the largest four banks in Sweden have beeninvestigated. The financial crisis affected the banks differently, depending on the markets of expansion. Excessive risk-taking hasbeen found, where one bank expanded aggressively into new markets and did not appreciate the risks on these new markets. CEOcompensation and risk seeking boards are factors that might have caused such behaviour. All of the banks have made noticeablechanges to their capital structure, increasing it annually, accompanied by a risk-reduction movement in their assets to improve thestability in most of the banks. The new regulation’s focus on both quality and quantity is in accordance with the views that areexpressed in the framework. The banks have altered their goals to levels several per cent above the regulations, in contrast tobefore the crisis when they were often as close as possible. The impact of the new liquidity regulations has been limited, as thebanks continue to work with their internal measures. The banks have all changed their view of capital ratio and liquidity, wheremany of the banks have doubled the amount of these posts and now find these measures to be both beneficial and a way to gaintrust and stability.

Place, publisher, year, edition, pages
SSBFNET , 2014. Vol. 3, no 2, 10-27 p.
Keyword [en]
Basel Accords, Basel Committee, Liquidity, Capital structure, Financial crisis, Management Control
National Category
Business Administration
Research subject
Economy, Business administration
Identifiers
URN: urn:nbn:se:lnu:diva-60380DOI: 10.20525/.v3i2.181OAI: oai:DiVA.org:lnu-60380DiVA: diva2:1070129
Available from: 2017-01-31 Created: 2017-01-31 Last updated: 2017-02-06Bibliographically approved

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Bredmar, Krister

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf