fundingsituation Kandidatafhandling Lean Klarskov Jensen Cand.merc.fir Handelshøjskolen i København 79,4 sider satsenheder Oktober ,00%

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1 s s fundingsituation Kandidatafhandling Lean Klarskov Jensen Vejleder: Michael Ahm Institut: Institut for Regnskab og Revision Cand.merc.fir Handelshøjskolen i København 79,4 sider satsenheder Oktober 2011 A2 3,00% Baa1 2,50% 2,25% Baa2

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15 Basisindtægter i mio.kr. Lokale Banker Handels- og udlandsområdet 359 Finans Nord <7Q;H8?E7;1A@:8\E:8E<9FBK:8$58<7@:B;?>K:;;::8]7;9FBK:8B::8=>:E:;Q?BK8: 8?<?9AE?>>?@:]\EA8IA8K:?99:<H:9F>:8:8?<7QQ:AQI7B@?H8AKF9;:8B:]Q:BK:8?QAK =:BP;;:8K:Q;?>8?<?9A7IK[9B?B@$ Basisindtjening i mio.kr. Lokale Banker 215 Handels- og udlandsområdet 294 Finans Nord /:BB:7IK:>?B@IA8E7>;:89FBK:8B:<97H?;7>HV=7@@8FBK7IIF>KQ7@;:8$(IK:>?B@:B IA8E7>;:K::B97H?;7>HV9B7H"-Q?7$98$?#-"-]\E?>9:;:8:B<;?@B?B@HVD-`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okale Banker i mio.kr Basisindtægter Nedskrivninger Basisindtjening ?<?9AE?>>?@\:K\A<9FBK:8B:<7Q;I8:Q@7B@IA879;?:8A@A=>?@7;?AB:8]\E?>9:;@?E:8 FK<>7@?=7<?<?BK;[@;:8B:$0:I?@F8D$ @-CED3*E&(%)NE&*"3", B-J#&E"#-?3,=)-;- Handels- og Udl.området Basisindtægter Driftsomkostninger Basisindtjening LA88:;B?B@<:B\:K:B97BI8:Q7K8:;;:;FKE?9>:A@;?>=PK:BP:H8AKF9;:8A@<:8E?Z:<;?> K:8:<BFE[8:BK:9FBK:=7<:]IA8K:BE:_?@:BB:Q7;^@:EA>FQ:B$.7BK:><1A@ ""0H78+A8K<58<87HHA8;#--R]<?K:C "C

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