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Business models in banking: is there a best practice?

Author

Listed:
  • Gertrude Tumpel-Gugerell

    (Executive Board of the European Central Bank)

Abstract

The last two years have stressed how special and important banks are. When the financial system fails, the whole economic system is affected. The financial sector has undergone an unprecedented wave of innovation, change, consolidation and now crisis. We now have a better understanding of the business models that may not be sustainable, but there are still many open questions. Will future capital requirements provide banks with better loss bearing capabilities and the economic system with less procyclicality? How can future compensation and corporate governance principles support the long term value creation of banks? How can risk management practises and risk pricing models better represent possible gains and losses? There seems to be no simple answer.

Suggested Citation

  • Gertrude Tumpel-Gugerell, 2009. "Business models in banking: is there a best practice?," BANCARIA, Bancaria Editrice, vol. 11, pages 17-23, November.
    • Handle: RePEc:ban:bancar:v:11:y:2009:m:november:p:17-23
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    File URL: http://www.bancariaeditrice.it/prodotti/vedi/prodotto/id/1969/bancaria-n-11-2009
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    Citations

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    Cited by:

    1. Anjan Roy, 2021. "Business segment diversification of private banks in India," DECISION: Official Journal of the Indian Institute of Management Calcutta, Springer;Indian Institute of Management Calcutta, vol. 48(3), pages 295-308, September.

    More about this item

    Keywords

    financial crisis; originate to distribute governance; risk management;
    All these keywords.

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G34 - Financial Economics - - Corporate Finance and Governance - - - Mergers; Acquisitions; Restructuring; Corporate Governance

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