Business Models In European Banking

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Business Models in European Banking

Rym Ayadi,Emrah Arbak,Willem Pieter De Groen
Business Models in European Banking Book PDF

Author : Rym Ayadi,Emrah Arbak,Willem Pieter De Groen
Publisher : Unknown
Page : 0 pages
File Size : 54,5 Mb
Release : 2011
Category : Business & Economics
ISBN : 9461381204

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Business Models in European Banking by Rym Ayadi,Emrah Arbak,Willem Pieter De Groen Pdf

The next few years will be critical for Europe's banking industry. It faces a number of financial sector reforms that will have a decisive impact on the dominant practices and business models followed across the European Union. This timely volume presents the results of the first screening exercise conducted on the performance, stability, risk, efficiency, and corporate governance of twenty-six major European banks--before, during, and after the financial crisis. The authors use those findings to help identify the key strengths and weaknesses inherent in the dominant business models, in light of the upcoming regulatory changes.

Regulation of European Banks and Business Models

Rym Ayadi,Emrah Arbak,Willem Pieter De Groen,David T. Llewellyn
Regulation of European Banks and Business Models Book PDF

Author : Rym Ayadi,Emrah Arbak,Willem Pieter De Groen,David T. Llewellyn
Publisher : Unknown
Page : 0 pages
File Size : 48,9 Mb
Release : 2012
Category : Business & Economics
ISBN : 9461382111

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Regulation of European Banks and Business Models by Rym Ayadi,Emrah Arbak,Willem Pieter De Groen,David T. Llewellyn Pdf

Amidst talk of establishing an EU-wide banking union, the recent changes in the regulatory framework and the rethinking of the future of European banking structure, the future of EU bank regulation is inextricably linked to banks' business models. Using a sample of over 70 banks, which overlaps with those subjected to the European Banking Authorities' 2011 stress tests, this report emphasizes the key regulatory gaps that emerge from a comprehensive analysis of the soundness and performance of bank business models. This analysis provides policy-makers with guidance to reinforce the evolving regulatory framework in European banking.

Banking Business Models

Rym Ayadi
Banking Business Models Book PDF

Author : Rym Ayadi
Publisher : Springer
Page : 200 pages
File Size : 45,5 Mb
Release : 2019-04-23
Category : Business & Economics
ISBN : 9783030022488

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Banking Business Models by Rym Ayadi Pdf

This book is a result of several years of research to provide readers with a novel and comprehensive analysis on business models in banking, essential to understanding bank businesses pre- and post- financial crisis and how they evolve in the financial system. This book will provide depositors, creditors, credit rating agencies, investors, regulators, supervisors, and other market participants with a comprehensive analytical framework and analysis to better understand the nature of risk attached to the bank business models and its contribution to systemic risk throughout the economic cycle. The book will also guide post-graduate students and researchers delving into this topic.

Business Performance and Financial Institutions in Europe

Alexandra Horobet,Persefoni Polychronidou,Anastasios Karasavvoglou
Business Performance and Financial Institutions in Europe Book PDF

Author : Alexandra Horobet,Persefoni Polychronidou,Anastasios Karasavvoglou
Publisher : Springer Nature
Page : 175 pages
File Size : 54,9 Mb
Release : 2020-10-24
Category : Business & Economics
ISBN : 9783030575175

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Business Performance and Financial Institutions in Europe by Alexandra Horobet,Persefoni Polychronidou,Anastasios Karasavvoglou Pdf

This book examines the business models, performance, and decision-making approaches employed by financial institutions in Central and Southeast Europe. The respective contributions cover a wide range of industries, including banking, pharmaceuticals, and airline business services, and present both theoretical and empirical studies that highlight economy-wide risks and opportunities for European companies. The book is divided into four parts, the first of which provides a critical assessment of the competitiveness and performance of European companies, while the second examines decision-making approaches at financial institutions; the third and fourth parts address the macroeconomic risks and opportunities for business development in Europe. Intended for scholars, political decision-makers, and practitioners, the book offers new perspectives on Central and Southeast European financial and business research.

The Business of Banking

Giusy Chesini,Elisa Giaretta,Andrea Paltrinieri
The Business of Banking Book PDF

Author : Giusy Chesini,Elisa Giaretta,Andrea Paltrinieri
Publisher : Springer
Page : 239 pages
File Size : 52,5 Mb
Release : 2017-10-09
Category : Business & Economics
ISBN : 9783319548944

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The Business of Banking by Giusy Chesini,Elisa Giaretta,Andrea Paltrinieri Pdf

This book offers new insights on banking business models, risks and regulation proposals in the aftermath of the European financial crisis. It investigates the main issues affecting the business of banking nowadays, such as low interest rates and non-performing loans. The combined effect of low to negative interest rates and weak economic growth has encouraged banks to shift their business towards new areas less associated with interest rates, which financial markets and institutional investors are currently evaluating. Contributions also shed new light on topics not yet fully investigated by current literature, such as banks’ short selling bans after Brexit, the European Deposit Guarantee Scheme and banks’ risk appetite framework. This book will be of interest to researchers, scholars and practitioners.

Bank Business Models Monitor 2014

Rym Ayadi,Willem Pieter De Groen,Marie-Josée Lapointe,Andre Michelet,Harol Rey,Ibtihel Sassi,Cristina Tita
Bank Business Models Monitor 2014 Book PDF

Author : Rym Ayadi,Willem Pieter De Groen,Marie-Josée Lapointe,Andre Michelet,Harol Rey,Ibtihel Sassi,Cristina Tita
Publisher : Unknown
Page : 0 pages
File Size : 54,8 Mb
Release : 2014
Category : Business & Economics
ISBN : 9461384211

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Bank Business Models Monitor 2014 by Rym Ayadi,Willem Pieter De Groen,Marie-Josée Lapointe,Andre Michelet,Harol Rey,Ibtihel Sassi,Cristina Tita Pdf

CEPS and the International Observatory on Financial Services Cooperatives (IOFSC) at HEC Montreal have initiated an annual monitoring exercise on banking business models in the EU. Based on their balance sheet structures, 147 European banks that account for more than 80% of the industry assets were categorized in four business models. The "Monitor" emphasizes ownership structures and assesses financial and economic performance and resilience and robustness before, during, and after the financial and economic crises across retail diversified, retail focused, investment, and wholesale oriented banks. Inter alia, this edition of the "Monitor" finds that banks that engage more in traditional retail banking activities with a mix of funding sources fared better than other bank models during the different phases of the crisis.

Liquidity Risk, Efficiency and New Bank Business Models

Santiago Carbó Valverde,Pedro Jesús Cuadros Solas,Francisco Rodríguez Fernández
Liquidity Risk Efficiency and New Bank Business Models Book PDF

Author : Santiago Carbó Valverde,Pedro Jesús Cuadros Solas,Francisco Rodríguez Fernández
Publisher : Springer
Page : 305 pages
File Size : 49,7 Mb
Release : 2016-09-10
Category : Business & Economics
ISBN : 9783319308197

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Liquidity Risk, Efficiency and New Bank Business Models by Santiago Carbó Valverde,Pedro Jesús Cuadros Solas,Francisco Rodríguez Fernández Pdf

This book provides insight into current research topics in finance and banking in the aftermath of the financial crisis. In this volume, authors present empirical research on liquidity risk discussed in the context of Basel III and its implications. Chapters also investigate topics such as bank efficiency and new bank business models from a business diversification perspective, the effects on financial exclusion and how liquidity mismatches are related with the bank business model. This book will be of value to those with an interest in how Basel III has had a tangible impact upon banking processes, particularly with regard to maintaining liquidity, and the latest research in financial business models.

Examining the Role of National Promotional Banks in the European Economy: Emerging Research and Opportunities

Boitan, Iustina Alina
Examining the Role of National Promotional Banks in the European Economy Emerging Research and Opportunities Book PDF

Author : Boitan, Iustina Alina
Publisher : IGI Global
Page : 184 pages
File Size : 52,6 Mb
Release : 2016-11-29
Category : Business & Economics
ISBN : 9781522518464

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Examining the Role of National Promotional Banks in the European Economy: Emerging Research and Opportunities by Boitan, Iustina Alina Pdf

Banking entities have significant involvement and impact on the structure of a nation’s economy. By utilizing the proper strategies and available data, banks can act as an effective financial instrument for economic enhancement. Examining the Role of National Promotional Banks in the European Economy: Emerging Research and Opportunities is a pivotal reference source for the latest perspectives on the performance and evaluation of National Promotional Banks (NPBs) within European economic contexts and their impact on social welfare. Featuring relevant coverage across innovative topics, such as funding, productivity, and financial structure indicators, this publication is ideally designed for professionals, academics, graduate students, and practitioners seeking investigations on the European NPB business model.

Regulatory Influence on Business Model and Individual Behaviour in a European Multinational Bank

Johann Zweigardt
Regulatory Influence on Business Model and Individual Behaviour in a European Multinational Bank Book PDF

Author : Johann Zweigardt
Publisher : GRIN Verlag
Page : 244 pages
File Size : 50,8 Mb
Release : 2022-11-16
Category : Business & Economics
ISBN : 9783346763372

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Regulatory Influence on Business Model and Individual Behaviour in a European Multinational Bank by Johann Zweigardt Pdf

Doctoral Thesis / Dissertation from the year 2022 in the subject Business economics - Business Management, Corporate Governance, grade: 1,0, University of Gloucestershire (Faculty of Business, Education & Professional Studies), language: English, abstract: In response to the 2007-2008 financial crisis, regulatory requirements have increased over the years, forcing banks, employees and regulators to act in a sustainable manner. This thesis investigates the change and transformation process of major banks from an external and internal perspective. Therefore, the purpose of this thesis is to explore the implications of the regulatory influence on the banking business model and personal behaviour and motivations of bank employees and regulators from a multinational systematically important bank in the European Union. Therefore, this work contributes to knowledge in the field of change and transformation process for multinational banks, due to the growing regulatory requirements of previous years. It provides a unique analysis of the changes of the banking business model and the related changes of human behaviour and job motivation. In particular, the employees of a bank (ranging from new staff to established experts and from managers to members of the regulatory authorities) who give personal and deep insights into the challenges they face in their workplaces and reflect on the reasons for their actions and expectations.

Post-Crisis Changes in Global Bank Business Models: A New Taxonomy

Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert
Post Crisis Changes in Global Bank Business Models A New Taxonomy Book PDF

Author : Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert
Publisher : International Monetary Fund
Page : 34 pages
File Size : 51,7 Mb
Release : 2019-12-27
Category : Business & Economics
ISBN : 9781513522883

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Post-Crisis Changes in Global Bank Business Models: A New Taxonomy by Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert Pdf

The Global Financial Crisis unleashed changes in the operating and regulatory environments for large international banks. This paper proposes a novel taxonomy to identify and track business model evolution for the 30 Global Systemically Important Banks (G-SIBs). Drawing from banks’ reporting, it identifies strategies along four dimensions –consolidated lines of business and geographic orientation, and the funding models and legal entity structures of international operations. G-SIBs have adjusted their business models, especially by reducing market intensity. While G-SIBs have maintained international orientation, pressures on funding models and entity structures could affect the efficiency of capital flows through the bank channel.

Banking in Europe

Mariarosa Borroni,Simone Rossi
Banking in Europe Book PDF

Author : Mariarosa Borroni,Simone Rossi
Publisher : Springer
Page : 118 pages
File Size : 53,6 Mb
Release : 2019-04-09
Category : Business & Economics
ISBN : 9783030150136

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Banking in Europe by Mariarosa Borroni,Simone Rossi Pdf

This Palgrave Pivot provides a comprehensive overview of the dynamics that are affecting the profitability of European banks since the recent crisis period. More specifically, it sheds light on the most crucial changes in profit generation and on the consequential changes in banking strategies due to fiercer competition, reduced margin and changing regulation. The work is divided in four main parts. The first section introduces the changes in bank management policies, considering the periods before and since the crisis. In the second section, the authors review the literature on bank profitability and outline the main determinants of profit generation, and in the third section they provide a cross-country analysis of profitability for a wide sample of European banks during the great financial crisis. In the last section, the authors discuss the results of the quantitative analysis under the new regulatory and competitive framework that is progressively affecting the banking sector (fintech, Basel regulations, etc.). This book will be of interest to academics, researchers and students of European banking.

Banking in Crisis

Dr. oec. Fabian Brunner
Banking in Crisis Book PDF

Author : Dr. oec. Fabian Brunner
Publisher : tredition
Page : 191 pages
File Size : 45,7 Mb
Release : 2020-07-06
Category : Technology & Engineering
ISBN : 9783347102033

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Banking in Crisis by Dr. oec. Fabian Brunner Pdf

In the foreseeable future, banks as we now know them will cease to exist. In view of the increasingly digital banking business, the pressure on costs and the reduction in vertical integration, the banking industry in the future will be characterized by technologization and specialization and threatened by the influence and capabilities of the BigTechs. There will need to be drastic changes in the competitive situation, the value creation structures and business models of the banking industry; despite the protection provided by banking supervisors and governance regulations, the core functions of banking - the handling of payment transactions and financing - are no longer the unique key functions that have made the banking industry indispensable within an economy to date. The perfect storm seems to be brewing; as Bill Gates already said in 1994 "banking is necessary, banks are not". Banks around the world are striving to find an adequate response. This book starts by providing a well-founded theoretical basis and then analyses the situation, identifies the present shortcomings and problem areas of the banks and outlines possible approaches to solutions.

The Palgrave Handbook of European Banking

Thorsten Beck,Barbara Casu
The Palgrave Handbook of European Banking Book PDF

Author : Thorsten Beck,Barbara Casu
Publisher : Springer
Page : 678 pages
File Size : 48,5 Mb
Release : 2017-01-12
Category : Business & Economics
ISBN : 9781137521446

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The Palgrave Handbook of European Banking by Thorsten Beck,Barbara Casu Pdf

This handbook presents a timely collection of original studies on relevant themes, policies and developments in European banking. The contributors analyse how the crisis years have had a long lasting impact on the structure of European banking and explore the regulatory architecture that has started to take form in their wake. Academic experts and senior policy makers have contributed to this volume, which is organized in five main parts. The first part presents an overview of European banking through the crisis and beyond. The second part analyses performance and innovation in EU banking markets. The third part discusses the key regulatory changes aimed at fostering financial stability. Part four looks at the relevance of cross-border banking and part five presents a detailed analysis of the main EU banking markets. This is a highly informative and carefully presented handbook, which provides thought-provoking insights into the past, present and future landscapes of European banking. It will appeal to a wide readership, from scholars and students, through to researchers, practitioners and policy-makers.

Post-Crisis Changes in Global Bank Business Models: A New Taxonomy

Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert
Post Crisis Changes in Global Bank Business Models A New Taxonomy Book PDF

Author : Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert
Publisher : International Monetary Fund
Page : 34 pages
File Size : 50,6 Mb
Release : 2019-12-27
Category : Business & Economics
ISBN : 9781513525259

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Post-Crisis Changes in Global Bank Business Models: A New Taxonomy by Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert Pdf

The Global Financial Crisis unleashed changes in the operating and regulatory environments for large international banks. This paper proposes a novel taxonomy to identify and track business model evolution for the 30 Global Systemically Important Banks (G-SIBs). Drawing from banks’ reporting, it identifies strategies along four dimensions –consolidated lines of business and geographic orientation, and the funding models and legal entity structures of international operations. G-SIBs have adjusted their business models, especially by reducing market intensity. While G-SIBs have maintained international orientation, pressures on funding models and entity structures could affect the efficiency of capital flows through the bank channel.

New Cooperative Banking in Europe

Marco Migliorelli
New Cooperative Banking in Europe Book PDF

Author : Marco Migliorelli
Publisher : Springer
Page : 246 pages
File Size : 52,5 Mb
Release : 2018-09-01
Category : Business & Economics
ISBN : 9783319935782

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New Cooperative Banking in Europe by Marco Migliorelli Pdf

This edited volume showcases how the European cooperative banks have continued to evolve amid a new competitive scenario that resulted from the Global Financial Crisis started in Europe in 2008. The cooperative banking paradigm has been put under an unprecedented pressure as a consequence of factors such as the exceptionally low interest rates set by the European Central Bank, low profitability generated by traditional banking services—which are the backbone of the cooperative banking business—and the entrance of fintech companies into the banking market. Furthermore, tightening regulation since the beginning of the crisis has produced an increased capital and liquidity burden which in some cases have forced cooperative banks to reduce lending to their members and customers, putting under question the traditional countercyclical role of cooperative banks in periods of crisis. For these reasons, it is of the utmost value to observe and analyse how cooperative banks have been reacting in the attempt to preserve their unique business model and, at the same time, to keep providing credit to the economy. A number of scholars active in the cooperative banking sector have been involved in this edited volume as contributors.