En kvantitativ kartläggning av faktorer som påverkar storbankernas räntenetto
(2024) NEKH01 20232Department of Economics
- Abstract
- This study aims to analyse how the competition in the Swedish banking market affects major banks´ net interest income, which has increased dramatically over the past two years. To gain a broader understanding of factors affecting the net interest income of the Swedish major banks, this study has identified eight independent variables that according to prior research determine the net interest income. To examine how the variables affect the net interest income, the study applies an econometric method, using balanced panel data over three banks; Svenska Handelsbanken, SEB and Swedbank, over the period 2008 - 2022. The results of this study show that the market concentration on the Swedish banking market has a significant impact on the major... (More)
- This study aims to analyse how the competition in the Swedish banking market affects major banks´ net interest income, which has increased dramatically over the past two years. To gain a broader understanding of factors affecting the net interest income of the Swedish major banks, this study has identified eight independent variables that according to prior research determine the net interest income. To examine how the variables affect the net interest income, the study applies an econometric method, using balanced panel data over three banks; Svenska Handelsbanken, SEB and Swedbank, over the period 2008 - 2022. The results of this study show that the market concentration on the Swedish banking market has a significant impact on the major banks ́ net interest income which implies that the high net interest income rates in 2022 and 2023 can be to some extent derived from market concentration. Moreover, the findings referring to the Swedish case show that inflation and the lending volume has a significant impact on the net interest income. In addition, the results of this study demonstrates that the policy rate and the credit risk have a significant negative impact on the net interest income and that the operating costs, the degree of risk aversion and the GDP are not statistically significant. (Less)
Please use this url to cite or link to this publication:
http://lup.lub.lu.se/student-papers/record/9145071
- author
- Ekelund, Nora LU
- supervisor
- organization
- course
- NEKH01 20232
- year
- 2024
- type
- M2 - Bachelor Degree
- subject
- keywords
- Herfindahl-Hirschman index, Competition, Net interest income, Swedish banking market
- language
- Swedish
- id
- 9145071
- date added to LUP
- 2024-04-16 09:24:18
- date last changed
- 2024-04-16 09:24:18
@misc{9145071,
abstract = {{This study aims to analyse how the competition in the Swedish banking market affects major banks´ net interest income, which has increased dramatically over the past two years. To gain a broader understanding of factors affecting the net interest income of the Swedish major banks, this study has identified eight independent variables that according to prior research determine the net interest income. To examine how the variables affect the net interest income, the study applies an econometric method, using balanced panel data over three banks; Svenska Handelsbanken, SEB and Swedbank, over the period 2008 - 2022. The results of this study show that the market concentration on the Swedish banking market has a significant impact on the major banks ́ net interest income which implies that the high net interest income rates in 2022 and 2023 can be to some extent derived from market concentration. Moreover, the findings referring to the Swedish case show that inflation and the lending volume has a significant impact on the net interest income. In addition, the results of this study demonstrates that the policy rate and the credit risk have a significant negative impact on the net interest income and that the operating costs, the degree of risk aversion and the GDP are not statistically significant.}},
author = {{Ekelund, Nora}},
language = {{swe}},
note = {{Student Paper}},
title = {{En kvantitativ kartläggning av faktorer som påverkar storbankernas räntenetto}},
year = {{2024}},
}