Effekten av Basel III - En fallstudie om en banks företagsutlåning

Detta är en Kandidat-uppsats från Göteborgs universitet/Företagsekonomiska institutionen

Sammanfattning: Following the financial crisis of 2007 - 2008 stricter regulations were introduced to theinternational banking system. This regulatory framework came to be referred to as Basel III andinvolves major changes for active banks and the financial sector. Since the introduction of theregulatory framework, researchers have been worried about the consequences these rules will havefor banks and how it will affect companies, the welfare and economy. The purpose of the thesis isto explain the effect Basel III has on lending to a bank's corporate customers. The purpose hasbeen broken down to two research questions that, when answered, will explain a bank's lendingvolume and lending costs after Basel III. The study was conducted through a case study at a largebank. The data consist of seven qualitative in-depth interviews with employees at the bank whomexplained how Basel III affected the bank's lending. The interviewed respondents work eitherdirectly with regulations or as corporate advisers and will together explain how their corporatecustomers have been affected by Basel III. The study shows that the bank has not reduced itslending volume or experienced a negative loan growth during and after the implementation ofBasel III. This, because the bank has been well prepared for the new requirements and theimplementation process has been ongoing during a longer period of time. This has enabled thebank to adjust to the new changes to not experience any major effects after the implementation ofthe new regulatory framework. The data collected shows that the bank also raises its lending coststowards the bank’s customers after Basel III, which is because the bank's cost of equity hasincreased after the stricter capital adequacy rules in Basel III. The study has provided currentpractical evidence of how a bank experience that lending to their corporate customers has beenaffected after Basel III. The results of the study have been generalized to previous research resultsand have contributed to develop the discussion on the impact stricter requirements has on banklending.

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