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  • 1.
    Aguilar, Diana
    et al.
    Mälardalen University, School of Sustainable Development of Society and Technology.
    Semenyuk, Tetyana
    Mälardalen University, School of Sustainable Development of Society and Technology.
    Turesson, Alina
    Mälardalen University, School of Sustainable Development of Society and Technology.
    Minimering av risker vid kreditgivning2010Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
    Abstract [en]

    Turbulence in the world economy with following liquidity problem in enterprises has lead to negative consequences for banks that creates a need for effective credit risk management. To prevent significant credit losses, banks tries constantly to minimize their risks in credit granting through identifying pitfalls.

    The purpose is to investigate the factors that contribute to the credit losses and illustrate how Nordea can minimize risks in credit granting.

    Data were gathered from the literature review and a case study. The object of study is the Swedish Business Bank Nordea where several credit managers has been interviewed at the regional level. To obtain a volume of credit development in Sweden, gathered the credit granting statistics of the source of Nordea Hypotek AB.

    According to the theory credit losses are depending on direct and indirect factors. While direct factors can be affected by a credit analyst, indirect factors are outside of his influence. It can be stated that Nordea has been succeed in minimizing of risks at the considerable degree, with reservation for some improvements, and that some factors that cause losses the bank manage to keep under control.

    Bank´s fundamental strategy in risk management is to use reasonable credit granting. All of respondents have stressed the importance of thorough inquiry on new credit application and frequent following up suspicions of payment difficulties with existing borrowers. Through these routines can bank capture problematic business transactions and prevent appearance of credit losses.

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