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THE RISE AND FALL OF UNIVERSAL BANKING UPS AND DOWNS OF A SAMPLE OF LARGE AND COMPLEX FINANCIAL INSTITUTIONS SINCE THE LATE 90s

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  • Sergio MASCIANTONIO
  • Andrea TISENO

Abstract

We document the development of the major international banks since the late 1990s analyzing balance sheet data for 27 large and complex financial institutions We argue that the balance sheet expansion and business line diversification have paved the way for the rise of the universal banking model This model apparently sound and efficient in the run up to the crisis revealed all its shortcomings when the crisis erupted European banks displayed greater fragilities in their business models This changed financial and regulatory landscape that followed has challenged this model further Many have proposed remedies to the global financial crisis and appear to consider returning to a narrower model for the banking activity

Suggested Citation

  • Sergio MASCIANTONIO & Andrea TISENO, 2013. "THE RISE AND FALL OF UNIVERSAL BANKING UPS AND DOWNS OF A SAMPLE OF LARGE AND COMPLEX FINANCIAL INSTITUTIONS SINCE THE LATE 90s," Journal of Advanced Studies in Finance, ASERS Publishing, vol. 4(1), pages 5-31.
    • Handle: RePEc:srs:jasf00:v:4:y:2013:i:1:p:5-31
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    Cited by:

    1. Paola Bongini & Laura Nieri, 2014. "Identifying and Regulating Systemically Important Financial Institutions," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 43(1), pages 39-62, February.
    2. Alessandri, Piergiorgio & Masciantonio, Sergio & Zaghini, Andrea, 2014. "Everything you always wanted to know about systemic importance (but were afraid to ask)," CFS Working Paper Series 463, Center for Financial Studies (CFS).
    3. Giovanna Paladino & Zeno Rotondi, 2020. "Banking business models and risk: Findings from the ECB's comprehensive assessment," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 49(2), July.
    4. Bongini, Paola & Nieri, Laura & Pelagatti, Matteo, 2015. "The importance of being systemically important financial institutions," Journal of Banking & Finance, Elsevier, vol. 50(C), pages 562-574.

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