Inflationens påverkan på SEB och Handelsbankens riskahantering i Kalmar : En kvalitativ studie om hur den höjda inflationen påverkar riskhanteringen för två banker, varav en centraliserad och en decentraliserad, i kalmar.

Sammanfattning: Risks often operate in a routine way but are not always measurable, which can make them problematic. Historical events within the Swedish banking industry have exposed the financial system to economic crises as a result. Risk management is the part of business management that aims to identify, analyze and prevent risks. Hence, it is for reasons that research in the subject is required. Today, Sweden's economy is facing a new crisis which means high inflation and increased interest rates. We consider the area interesting because banks are in an industry that faces risks on a daily basis in the form of lending, among other things. As a result of this, it is of interest to investigate whether the organizational structure has any impact on risk management, as well as whether high inflation affects risk management in the various banks. Based on the research question, two case studies were applied to two banks in Kalmar. The essay is based on a qualitative method, with an abductive approach. The semi-structure was what characterized the interviews because we were looking for an in-depth conversation with each respondent.  We can state that many factors within Handelsbanken and SEB in Kalmar depends on their organizational structure in the form of decentralization versus centralization. The risks banks face are largely the same but differ depending on how much authority the individual has. Planning for risks within the banks does not differ significantly, SEB's quarterly report gives a picture of what the future may look like. Handelsbanken has weekly and monthly reports that update employees on how the market looks. The risk management process also looks similar between banks with a difference in authority, which also depends on their organizational structure. We feel that Handelsbanken and SEB tend to increase the degree of centralization, which goes against the theory. Inflation did not bring about as great changes in either risks or risk management as we expected. We believe this is because they are prepared thanks to the risk-prone industry they operate in.