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Title: A qualitative and quantitative analysis of the risk parameter LGD based on the Basel II Framework Seminar date: 27 January 2007 Course: Financial Economy, Master Thesis, 10 poäng (15 ECTS) Author: Helén Dybing Advisor: Hans Byström Key words: LGD, LTV, Risk, Basel II, Estimation model Purpose: The purpose of this thesis is to get a deeper understanding of the risk parameter LGD and try to i
The investing industry has historically been built around the sole purpose to bring superior financial returns to investors. Due to the rising concern towards global social and environmental issues, investments promoting sustainable development have grown popular. Centring sustainable investments debate is the strategy impact investing. The strategy originates from more traditional ethical investm
Under de senaste 10 åren har cirka en miljon människor sökt asyl i Sverige varav hela 163 000 enbart under 2015 när den stora flyktingvågen tog fart i världen. Detta satte stor press på Sveriges hantering av flyktingar och framförallt kommunernas bostadsförsörjningsansvar. Den 1 mars 2016 införde regeringen beslutet att kommunerna är skyldiga att ta emot ett visst antal nyanlända i syfte att ge deDuring the last 10 years approximately one million people have applied for asylum in Sweden and 163 000 only during the big stream of immigrants in 2015. This put a huge pressure on the Swedish management of immigrants and the housing for this group of people. The 1st of March 2016 the Swedish Government introduced a law where the Swedish municipalities are obligated to receive a certain number of
Economic contacts between countries have steadily increased over the years. This in part reflects the rapid growth of international economy and the increased investment in several countries. These international business activities have led to the formation of a group of company conducting business activities in two or more countries, which is known as MNEs or multinational enterprises. Nowadays
The thesis is a qualitative study of ten psychotherapists’ experiences of psychotherapies with unsatisfying progress. Nine therapists were interviewed and one therapist wrote a case study. The therapists were asked to tell about a completed therapy which had left them with a sense of non-changing in respect of the patient. One of the psychotherapists lacked such experience. The main part of the th
The goal of the thesis is to model stock prices as a stochastic process which exhibits reversion towards an equilibrium point, where the equilibrium point is set by fundamental data points of the company. The stochastic model is compared to the standard approach of using Geometric Brownian motion to simulate stock prices. The autocorrelations of a group of stocks are investigated. This has lead
PurposeAn inverse relationship between mental health and academic achievement is a well-known phenomenon in the scientific literature. However, how and when this association develops is not fully understood and there is a lack of longi-tudinal, population-based studies on young children. Early intervention is important if associations are to be found already during childhood. The aim of the presenPurposeAn inverse relationship between mental health and academic achievement is a well-known phenomenon in the scientific literature. However, how and when this association develops is not fully understood and there is a lack of longitudinal, population-based studies on young children. Early intervention is important if associations are to be found already during childhood. The aim of the present
Two approaches based on alkaline hydrolysis, in combination with either stir-bar sorptive extraction (SBSE) or sonication, were developed for the determination of banned azo dyes in bovine leather. All dyes were determined indirectly by measuring their corresponding harmful amines, formed after chemical reduction. Quantification was performed by employing standard addition methodology to compensat
The aim of the study was to identify whether a ventilated cooling shirt was effective in reducing heat strain in hot climate. 8 female volunteers (age: 26±5 years; height: 165±7 cm; body weight: 58±9 kg) were exposed in heat (38 °C, 45 % RH) for 2 hours with simulated office work. In the first hour they were in normal summer wears (total thermal insulation 0.7 clo); in the second hour a ventilated
Popular Abstract in English Modern society is still largely based on fossil resources. However, there are growing concerns about the security and cost of these resources, as well as climate change resulting from the combustion of fossil fuels. Biofuels represent renewable fuels with the potential to mitigate the adverse effects of fossil fuels, providing a more sustainable alternative. The transpBioethanol from sugarcane is a sustainable alternative to fossil fuels, and the increasing demand for fuel ethanol has prompted studies on the use of the lignocellulosic residues of sugarcane, namely bagasse and leaves, as new feedstock. This thesis describes various process designs and the economic feasibility of producing second generation (2G) ethanol from bagasse and leaves via the enzymatic r
Popular Abstract in English In the age where there is a great demand of energy, raise in the prices of fossil fuels and increase of environmental concerns because of the greenhouse gas emissions, biogas production through anaerobic digestion, of different organic materials, provides a full or partial solution. There is a large number of cheap substrates as organic waste materials that can be utiliThe anaerobic digestion process results in the production of biogas from a large diversity of organic residues, which can be used as an alternate source of energy generation and for waste management. However, the biogas production technology is not exploited efficiently due to the characteristics of raw materials, poor methane yields, process instability, limited raw materials and lack of knowledg
In this study, the mechanical improvement of the platinum coated nanoporous gold is investigated by performing molecular dynamics simulations. The tensile properties of the structure is enhanced by a stress relief annealing which prevents the high stress concentration observed between the coating and the core materials. The annealing process is performed at 500K for 100ps with a heating and coolin
The biosynthesis of molecular species of phosphatidylethanolamine and phosphatidylcholine in isolated rat liver parenchymal cells was studied with [32P]phosphate and [3H]glycerol as precursors. Addition to the cells of albumin-bound oleic or linoleic acid resulted in the synthesis of high proportions of dioleoyl- or dilinoleoyl-phospholipids, especially from labeled glycerol. The fact that these s
Municipal wastewater treatment plants are constantly forced to make improvements. The main objectives are to reduce energy consumption, to increase the treatment capacity and to improve the effluent water quality. Microsieves in combination with chemical pretreatment can potentially fulfil these objectives. In this work, experiments were mainly conducted at the large pilot scale, and supplementaryMunicipal wastewater treatment plants are constantly forced to make improvements. The main objectives are to reduce energy consumption, to increase the treatment capacity and to improve the effluent water quality. Microsieves in combination with chemical pretreatment can potentially fulfil these objectives. In this work, experiments were mainly conducted at the large pilot scale, and supplementary
The great chemist Glenn Seaborg has written a delightful little book "Man-made Transuranium Elements", published in 1963, in which he points out that: "The former basic criterion for the discovery of a new element - namely, chemical identification and separation from all previously-known elements - had to be changed in the case of lawrencium (element 103). This also may be true for elements beyond
Urinary tract infections (UTIs) are among the most common infectious diseases in humans, with a subset of sus- ceptible individuals who experience recurrent episodes. e increase in antibiotic resistance in gram-negative uropathogens, due to antibiotic overuse, is a strong rationale for developing therapeutic alternatives and to improve diagnostics. In patients with incomplete bladder emptying (e.
Massive MIMO has been shown, both in theory and through experiments, to offer very promising properties. These include the possibility to decrease output power by at least an order of magnitude while still achieving large gains in spectral efficiency, as compared to today’s access schemes. To efficiently design communication algorithms and evaluate massive MIMO schemes, channel models that capture
Popular Abstract in Swedish Att fortsätta leva på mitt sätt. Medelålders kvinnor och menopaus/klimakteriet. Varje år passerar cirka 65 000 svenska kvinnor sin menopaus. Menopaus är en medicinsk term och avser tidpunkten för en kvinnas sista menstruation. Tidpunkten för menopaus kan därför i regel endast avgöras i efterhand, vanligtvis först efter ett års uppehåll av de naturliga menstruationernaTo deepen the understanding of menopause and its role in women's lives is the general aim of this thesis. Between 1995 and 2003, all women in two Swedish primary health care districts received a postal questionnaire, when they were 45, 50, 55 or 60. A total of 1681 women (76%) responded. Twenty-four women were given research interviews. The effects of menopause on quality of life (QoL) and number
Commercial fish catch in Eastern Africa is dominated by Nile Perch. Of the fish that is processed for human consumption, 30-40% is wasted. Currently, these wastes are not fully utilized; they are sold off at low price, converted to low valued products or left to decompose leading to environmental pollution and wastage of bioresource. This biomass has however a potential to generate considerable re
