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Banking Business Models Monitor 2014: Europe

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  • Ayadi, Rym
  • De Groen, Willem Pieter

Abstract

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 categorised in four business models. The Monitor emphasises the ownership structures and assesses the financial and economic performance, 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 well as compared to other bank models during the different phases of the crisis.

Suggested Citation

  • Ayadi, Rym & De Groen, Willem Pieter, 2014. "Banking Business Models Monitor 2014: Europe," CEPS Papers 9713, Centre for European Policy Studies.
  • Handle: RePEc:eps:cepswp:9713
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    File URL: http://www.ceps.eu/system/files/Banking%20Business%20Models%202014.pdf
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    References listed on IDEAS

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    1. Radek Halamka & Petr Teplý, . "The Effect of Ethics on Banks’ Financial Performance," Prague Economic Papers, University of Economics, Prague, vol. 0, pages 1-15.
    2. Stefano Cosma & Riccardo Ferretti & Elisabetta Gualandri & Andrea Landi & Valeria Venturelli, 2017. "How Does Financial Market Evaluate Business Models? Evidence From European Banks," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 17105, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    3. repec:spt:apfiba:v:7:y:2017:i:5:f:7_5_1 is not listed on IDEAS
    4. repec:bal:journl:2256-0742:2015:1:2:19 is not listed on IDEAS
    5. Paolo Coccorese & Giovanni Ferri & Fabiola Spiniello, 2017. "Are mergers among cooperative banks worth a dime? Evidence on post-M&A efficiency in Italy," CERBE Working Papers wpC18, CERBE Center for Relationship Banking and Economics.
    6. Ansgar Belke & Daniel Gros, 2015. "Banking Union as a Shock Absorber," Ruhr Economic Papers 0548, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen.
    7. Jan Kakes & Rob Nijskens, 2018. "Size of the banking sector: implications for financial stability," DNB Occasional Studies 1606, Netherlands Central Bank, Research Department.
    8. Toader, Oana, 2015. "Quantifying and explaining implicit public guarantees for European banks," International Review of Financial Analysis, Elsevier, vol. 41(C), pages 136-147.
    9. Stefano Cosma & Riccardo Ferretti & Elisabetta Gualandri & Andrea Landi & Valeria Venturelli, 2017. "How Does Financial Market Evaluate Business Models? Evidence From European Banks," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 0063, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
    10. Lannoo, Karel, 2017. "Uneven progress in implementing cross-border bank resolution in the EU," CEPS Papers 12733, Centre for European Policy Studies.
    11. repec:pal:jbkreg:v:20:y:2019:i:2:d:10.1057_s41261-018-0080-5 is not listed on IDEAS
    12. Emilia Bonaccorsi di Patti & Francesco Palazzo, 2018. "Bank profitability and macroeconomic conditions: are business models different?," Questioni di Economia e Finanza (Occasional Papers) 436, Bank of Italy, Economic Research and International Relations Area.
    13. Giuliana Birindelli & Paola Ferretti & Marco Savioli, 2016. "Basel 3: Does One Size Really Fit All Banks' Business Models?," Working Paper series 16-20, Rimini Centre for Economic Analysis.
    14. Ansgar Belke & Daniel Gros, 2015. "Banking Union as a Shock Absorber," ROME Working Papers 201502, ROME Network.
    15. De Groen, Willem Pieter, 2015. "The ECB’s QE: Time to break the doom loop between banks and their governments," CEPS Papers 10299, Centre for European Policy Studies.
    16. repec:ibn:ibrjnl:v:11:y:2018:i:9:p:23-36 is not listed on IDEAS
    17. repec:eee:jeborg:v:157:y:2019:i:c:p:403-427 is not listed on IDEAS
    18. Rungporn Roengpitya & Nikola Tarashev & Kostas Tsatsaronis & Alan Villegas, 2017. "Bank business models: popularity and performance," BIS Working Papers 682, Bank for International Settlements.
    19. repec:prg:jnlpep:v:2017:y:2017:i:3:id:609:p:330-344 is not listed on IDEAS
    20. repec:cbu:jrnlec:y:2018:v:special:p:193-197 is not listed on IDEAS
    21. repec:mbr:jmonec:v:10:y:2015:i:1:p:131-158 is not listed on IDEAS
    22. repec:zbw:rwirep:0548 is not listed on IDEAS
    23. Rajan, Aniruddha & Willison, Matthew, 2018. "Does lender type matter for the pricing of loans?," Bank of England working papers 767, Bank of England.
    24. Rungporn Roengpitya & Nikola Tarashev & Kostas Tsatsaronis, 2014. "Bank business models," BIS Quarterly Review, Bank for International Settlements, December.

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