Bachelor's thesis (Turku University of Applied Sciences) Degree Program in Business Management

WEB SOURCES 
Annual Reports: 

Danske Bank, Anuual Financial Report 2012, available on the web at
http://www.danskebank.com/en-uk/ir/reports/pages/financial-reports.aspx 
Danske Bank’s Equity Story, 2012, available on the web at 
http://www.danskebank.com/da-dk/ir/Documents/Other/IR-equitystory.pdf
 

Handelsbanken, Annual Financial Report 2011, available on the web at 
http://vpr.hkma.gov.hk/pdf/100180/ar_11/ar_11_pt01.pdf
 
Risk and Capital Management Report 2011, available on the web at 
http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/investor_r
elations_en_hb_11_eng_p3/$file/hb11eng_pelare3.pdf
 

Nordea, Annual financial report 2012, available on the web at 
http://www.nordea.com/sitemod/upload/root/eu/interim/Q4_2012_UK.pdf
 
Capital Risk Management Report 2011, available on the web at 

---

124 
TURKU UNIVERSITY OF APPLIED SCIENCES THESIS | Artem Vorobyev 
http://www.nordea.com/Investor+Relations/Capital+adequacy+risk+repor
ts/Capital+and+risk+management+pillar+3+reports/1032762.html
 

Op-pohjola-annualreport.fi (2011), Annual Reports, available on the web 
at 
http://www.op-pohjola-annualreport.fi/OP-Pohjola2011/en/report-by-
the-executive-board-and-financial-statements/op-pohjola-group-s-report-
by-the-executive-board-2011
 

A review of Portuguese economic situation (2011), available on the web 
at 
https://www.pohjola.fi/pohjola?cid=391507382&srcpl=4&kielikoodi=en
 
Akrani Gaurav (2010): 

Balance Sheet of Commercial Bank - Liabilities and Assets available on 
the web at 
http://kalyan-city.blogspot.com/2010/09/balance-sheet-of-
commercial-bank.html
 

Commercial Banks - Definitions, Primary Secondary Functions, available 
on the web at 
http://kalyan-city.blogspot.com/2010/09/commercial-banks-
definitions-primary.html
 
Amosweb.com, 
Bank 
Assets, 
available 
on 
the 
web 
at 
http://www.amosweb.com/cgi-bin/awb_nav.pl?s=wpd&c=dsp&k=bank+assets
 
Basel III Handbook (2009), Accenture, available on the web at 
http://www.accenture.com/SiteCollectionDocuments/PDF/Accenture-Basel-III-
Handbook.pdf 
BBC 
UK 
(2012), 
Greece 
in 
crisis, 
available 
on 
the 
web 
at 
http://www.bbc.co.uk/newsbeat/13856153
 
Begin.no, 
Financial 
Performance, 
available 
on 
the 
web 
at 
http://www.bedin.no/cwobjekter/Financial_performance.pdf
 
Bestcashcow.com, Three Popular Bond Investment Strategies, available on the 
web at 
http://www.bestcashcow.com/articles/three-popular-bond-investment-
strategies-2647
 

---

125 
TURKU UNIVERSITY OF APPLIED SCIENCES THESIS | Artem Vorobyev 
Blog.nobletrading.com (2008), What is systematic risk? Available on the web at 
http://blog.nobletrading.com/2008/05/what-is-systematic-risk.html
 
Bora Chandramita, Types of Bank Accounts, available on the web at 
http://www.buzzle.com/articles/types-of-bank-accounts.html
 
Brett Shane (2012), Hedge Funds & the Global Economic Crisis: Willing Culprits 
or 
Easy 
Scapegoats?, 
available 
on 
the 
web 
at 
http://allaboutalpha.com/blog/2012/10/11/hedge-funds-the-global-economic-
crisis-willing-culprits-or-easy-scapegoats/ 
Buffet Warren 
(2003), 
On 
derivatives, 
available 
on 
the 
web 
at 
http://www.fintools.com/docs/Warren%20Buffet%20on%20Derivatives.pdf
 
Conley Paul, The Risks of Bond Investing: Understanding Dangers in Fixed-
Income Investing, 
available 
on 
the 
web 
at 
http://bonds.about.com/od/bonds101/a/bondrisk.htm 
Cottarelli Carlo (2012), European fiscal union: a vision for the long run, available 
on the web at 
http://www.imf.org/external/np/speeches/2012/110112.htm
 
Dermine Jean (2002), EUROPEAN BANKING: PAST, PRESENT AND 
FUTURE, 
available 
on 
the 
web 
at 
http://www.ecb.int/events/pdf/conferences/dermine_comp.pdf
 
Duronio Ben (2012), These Are The 20 Strongest Banks In The World, available 
on the web at 
http://www.businessinsider.com/bloomberg-the-worlds-20-
strongest-banks-2012-5?op=1
 
Eagletraders.com, Types of Financial Instruments, available on the web at 
http://www.eagletraders.com/neg_financial_instruments/type_of_instruments.ht
m#Money Market Instruments 
The Economist (2012): 
Finland 
and 
the 
euro 
crisis, 
available 
on 
the 
web 
at 
http://www.economist.com/node/21560865
 

---

126 
TURKU UNIVERSITY OF APPLIED SCIENCES THESIS | Artem Vorobyev 
How 
to 
save 
Spain, 
available 
on 
the 
web 
at 
http://www.economist.com/node/21556238
 
Spanish 
Banks, 
available 
on 
the 
web 
at 
http://www.economist.com/blogs/schumpeter/2012/11/spanish-
banks?zid=295&ah=0bca374e65f2354d553956ea65f756e0
 
Evansonasset.com (2012), A Comparison of Active and Passive Investment 
Strategies, 
available 
on 
the 
web 
at 
http://www.evansonasset.com/index.cfm?Page=2
 
Europa.eu (2011), CRD IV 
– Frequently Asked Questions, available on the web 
at 
http://europa.eu/rapid/press-release_MEMO-11-527_en.htm
 
European Central Bank (2013), Euro area yield curve, available on the web at 
http://www.ecb.europa.eu/stats/money/yc/html/index.en.html
 
European Central Bank (2000), Recent developments and trends in world 
financial 
markets, 
available 
on 
the 
web 
at 
http://www.ecb.int/press/key/date/2000/html/sp001114.en.html
 
Favero Carlo, Marco Pagano and Ernst-Ludwig von Thadden (2007), How Does 
Liquidity A
ffect Government Bond Yields?, available on the web at 
http://www2.wiwi.hu-berlin.de/wpol/schumpeter/seminar/pdf/ernstludwig.pdf
 
Financeshastra (2011), Financial Markets, available on the web at 
http://financeshastra.wordpress.com/2011/04/08/financial-markets/