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Follow the money: what does the literature on banking tell prudential supervisors on bank business models?

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  • Paul Cavelaars
  • Joost Passenier
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    Abstract

    This paper gives an overview of the recent literature on bank business models, structured along what we deem to be the three central questions when analysing business models. By doing so, we endeavour to provide the recent shift in prudential supervision towards the analysis of bank business models with a sound economic basis. The bottom-line for supervisors - in our view - is that it is essential to understand where the profit comes from and what risks the bank or the banking sector is exposed to in generating those profits.

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    File URL: http://www.dnb.nl/en/binaries/Working%20Paper%20336_tcm47-267898.pdf
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    Bibliographic Info

    Paper provided by Netherlands Central Bank, Research Department in its series DNB Working Papers with number 336.

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    Date of creation: Feb 2012
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    Handle: RePEc:dnb:dnbwpp:336

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    Web page: http://www.dnb.nl/en/
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    Keywords: banking; business model;

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    3. White, Eugene Nelson, 1986. "Before the Glass-Steagall Act: An analysis of the investment banking activities of national banks," Explorations in Economic History, Elsevier, vol. 23(1), pages 33-55, January.
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    17. Temin, Peter, 2004. "Financial Intermediation in the Early Roman Empire," The Journal of Economic History, Cambridge University Press, vol. 64(03), pages 705-733, September.
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