Regulation Of European Banks And Business Models

Author : Rym Ayadi,Emrah Arbak,Willem Pieter De Groen,David T. Llewellyn
Publisher : Unknown
Page : 0 pages
File Size : 41,8 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.

Author : Giusy Chesini,Elisa Giaretta,Andrea Paltrinieri
Publisher : Springer
Page : 239 pages
File Size : 54,7 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.

Author : Rym Ayadi,Emrah Arbak,Willem Pieter De Groen
Publisher : Unknown
Page : 0 pages
File Size : 52,7 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.

Author : Johann Zweigardt
Publisher : GRIN Verlag
Page : 244 pages
File Size : 55,9 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.

Author : Rym Ayadi
Publisher : Springer
Page : 200 pages
File Size : 46,7 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.

Author : T. Lindblom,S. Sjögren,M. Willesson
Publisher : Springer
Page : 269 pages
File Size : 52,6 Mb
Release : 2014-07-29
Category : Business & Economics
ISBN : 9781137413543

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Governance, Regulation and Bank Stability by T. Lindblom,S. Sjögren,M. Willesson Pdf

This book provides novel insight into the governance of banks and looks at regulatory measures for strengthening bank stability. It includes empirical studies on the relationship between the board structures of banks and their financial risk-taking and analyses the determinants of bank reputation and the future prospects of small banks.

Author : Santiago Carbó Valverde,Pedro Jesús Cuadros Solas,Francisco Rodríguez Fernández
Publisher : Springer
Page : 305 pages
File Size : 49,9 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.

Author : Thorsten Beck,Barbara Casu
Publisher : Springer
Page : 678 pages
File Size : 45,8 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.

Author : Mr.John C Caparusso,Ms.Yingyuan Chen,Mr.Peter Dattels,Rohit Goel,Paul Hiebert
Publisher : International Monetary Fund
Page : 34 pages
File Size : 50,5 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.

Author : Andreas Kokkinis,Andrea Miglionico
Publisher : Routledge
Page : 398 pages
File Size : 50,6 Mb
Release : 2021
Category : Law
ISBN : 1003133630

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Banking Law by Andreas Kokkinis,Andrea Miglionico Pdf

"Banking regulation and the private law governing the bank-customer relationship came under the spotlight as a result of the global financial crisis of 2008-09. More than a decade later UK, EU and international regulatory initiatives have transformed the structure, business practices, financing models and governance of the banking sector. This authoritative text offers an in-depth analysis of modern banking law and regulation, while providing an assessment of its effectiveness and normative underpinnings. Its main focus is on UK law and practice, but where necessary it delves into EU law and institutions, such as the European Banking Union and supervisory role of the European Central Bank. The book also covers the regulation of bank corporate governance and executive remuneration, the promises and perils of FinTech and RegTech, and the impact of Brexit on UK financial services. Although detailed, the text remains easy to read, with pedagogic features such as a glossary of terms and practice questions for each chapter that facilitate learning. It is a useful resource for students and scholars of banking law and regulation, as well as for regulators and other professionals who are interested in reading a precise and evaluative account of this evolving area of law"--

Author : Mr.Andre Santos,Douglas Elliott
Publisher : International Monetary Fund
Page : 43 pages
File Size : 53,8 Mb
Release : 2012-09-11
Category : Business & Economics
ISBN : 9781475510089

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Estimating the Costs of Financial Regulation by Mr.Andre Santos,Douglas Elliott Pdf

Staff Discussion Notes showcase the latest policy-related analysis and research being developed by individual IMF staff and are published to elicit comment and to further debate. These papers are generally brief and written in nontechnical language, and so are aimed at a broad audience interested in economic policy issues. This Web-only series replaced Staff Position Notes in January 2011.

Author : Anonim
Publisher : Lulu.com
Page : 294 pages
File Size : 49,8 Mb
Release : 2004
Category : Bank capital
ISBN : 9789291316694

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International Convergence of Capital Measurement and Capital Standards by Anonim Pdf

Author : Vanessa Le Leslé,Ms.Sofiya Avramova
Publisher : International Monetary Fund
Page : 50 pages
File Size : 43,8 Mb
Release : 2012-03-01
Category : Business & Economics
ISBN : 9781475502657

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Revisiting Risk-Weighted Assets by Vanessa Le Leslé,Ms.Sofiya Avramova Pdf

In this paper, we provide an overview of the concerns surrounding the variations in the calculation of risk-weighted assets (RWAs) across banks and jurisdictions and how this might undermine the Basel III capital adequacy framework. We discuss the key drivers behind the differences in these calculations, drawing upon a sample of systemically important banks from Europe, North America, and Asia Pacific. We then discuss a range of policy options that could be explored to fix the actual and perceived problems with RWAs, and improve the use of risk-sensitive capital ratios.

Author : Charles Goodhart,Daniela Gabor,Jakob Vestergaard,Ismail Ertürk
Publisher : Anthem Press
Page : 292 pages
File Size : 43,9 Mb
Release : 2014-12-01
Category : Business & Economics
ISBN : 9781783083046

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Central Banking at a Crossroads by Charles Goodhart,Daniela Gabor,Jakob Vestergaard,Ismail Ertürk Pdf

This book reflects on the innovations that central banks have introduced since the 2008 collapse of Lehman Brothers to improve their modes of intervention, regulation and resolution of financial markets and financial institutions. Authors from both academia and policy circles explore these innovations through four approaches: ‘Bank Capital Regulation’ examines the Basel III agreement; ‘Bank Resolution’ focuses on effective regimes for regulating and resolving ailing banks; ‘Central Banking with Collateral-Based Finance’ develops thought on the challenges that market-based finance pose for the conduct of central banking; and ‘Where Next for Central Banking’ examines the trajectory of central banking and its new, central role in sustaining capitalism.

Author : Marco Migliorelli
Publisher : Springer
Page : 246 pages
File Size : 43,8 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.