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Bank Industry Risk Analysis: Sweden Apr 00
Standard & Poors, April 2000
Abstract
A significant improvement in the industry risk of the Swedish banking system has been seen in the past three years, with supraregional financial conglomerates arising out of the massive restructuring and consolidation of the Nordic banking services sector. These new, larger groups have gained geographic diversity, broader customer bases to which to sell a wider and more diversified range of products and services, and have achieved greater efficiency, particularly through economies of scale and large investment in information technology (I.T.). Supervision is enhanced by increasing cooperation between bank and insurance regulators across Nordic borders. Three factors were key to these sweeping changes: Significant domestic consolidation, which increased the already-high level of concentration in each country (although Norway [AAA/Stable/A-1+] and Denmark...
Companies mentioned in this report are: Denmark,Finland (Republic of),Sweden (Kingdom of),Swedish Export Credit Corp.,Skandinaviska Enskilda Banken AB (publ),Swedbank AB,Nordea Bank Sweden AB,Svenska Handelsbanken,SBAB Bank AB,General Mortgage Bank of Sweden (Sveriges Allmanna Hypoteksbank),Swedbank Mortgage AB,Stadshypotek AB,Venantius AB,Landshypotek AB,Nordea Hypotek AB
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Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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