Download or read book Business Models in European Banking written by Rym Ayadi and published by . This book was released on 2011 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Banking Business Models written by Rym Ayadi and published by Springer. This book was released on 2019-04-23 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Regulation of European Banks and Business Models written by Rym Ayadi and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Business Performance and Financial Institutions in Europe written by Alexandra Horobet and published by Springer Nature. This book was released on 2020-10-24 with total page 175 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the business models, performance, and decision-making approaches employed by financial institutions in Central and Southeast Europe. The respective contributions cover a wide range of industries, including banking, pharmaceuticals, and airline business services, and present both theoretical and empirical studies that highlight economy-wide risks and opportunities for European companies. The book is divided into four parts, the first of which provides a critical assessment of the competitiveness and performance of European companies, while the second examines decision-making approaches at financial institutions; the third and fourth parts address the macroeconomic risks and opportunities for business development in Europe. Intended for scholars, political decision-makers, and practitioners, the book offers new perspectives on Central and Southeast European financial and business research.

Download or read book Examining the Role of National Promotional Banks in the European Economy Emerging Research and Opportunities written by Boitan, Iustina Alina and published by IGI Global. This book was released on 2016-11-29 with total page 195 pages. Available in PDF, EPUB and Kindle. Book excerpt: Banking entities have significant involvement and impact on the structure of a nation’s economy. By utilizing the proper strategies and available data, banks can act as an effective financial instrument for economic enhancement. Examining the Role of National Promotional Banks in the European Economy: Emerging Research and Opportunities is a pivotal reference source for the latest perspectives on the performance and evaluation of National Promotional Banks (NPBs) within European economic contexts and their impact on social welfare. Featuring relevant coverage across innovative topics, such as funding, productivity, and financial structure indicators, this publication is ideally designed for professionals, academics, graduate students, and practitioners seeking investigations on the European NPB business model.

Download or read book The Business of Banking written by Giusy Chesini and published by Springer. This book was released on 2017-10-09 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Post Crisis Changes in Global Bank Business Models A New Taxonomy written by Mr.John C Caparusso and published by International Monetary Fund. This book was released on 2019-12-27 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Liquidity Risk Efficiency and New Bank Business Models written by Santiago Carbó Valverde and published by Springer. This book was released on 2016-09-10 with total page 319 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Banking Business Models Monitor 2015 written by Rym Ayadi and published by . This book was released on 2016 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In the context of evolving market structures and regulations, where fundamental changes keep applying to the European Banking Sector, especially since of the financial crisis of 2007-2009, the banks’ business models analysis provides market participants, depositors, creditors, regulators and supervisors with a useful tool to better understand the nature of risk attached to each bank business model and its contribution to systemic risk throughout the economic cycle. The 2015 Business Models Monitor of the European banking sector assesses the banking sector structure in light of the changing economic, legislative and supervisory environment. With the objective of covering the entire European banking sector, the 2015 Business Model Monitor includes 2,528 banking groups and subsidiaries of non-European banks, which account for more than 95% of the EEA and Swiss banking assets. The Monitor also uses a unique definition and a novel clustering model featuring SAS programming. For the analysis, the 13,040 bank-year observations were clustered into five broad categories: focused retail, diversified retail (Type I and Type II), wholesale and investment banks"--Publisher's description.

Download or read book Regulatory Influence on Business Model and Individual Behaviour in a European Multinational Bank written by Johann Zweigardt and published by GRIN Verlag. This book was released on 2022-11-16 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Banking in Europe written by Mariarosa Borroni and published by Springer. This book was released on 2019-04-09 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Palgrave Pivot provides a comprehensive overview of the dynamics that are affecting the profitability of European banks since the recent crisis period. More specifically, it sheds light on the most crucial changes in profit generation and on the consequential changes in banking strategies due to fiercer competition, reduced margin and changing regulation. The work is divided in four main parts. The first section introduces the changes in bank management policies, considering the periods before and since the crisis. In the second section, the authors review the literature on bank profitability and outline the main determinants of profit generation, and in the third section they provide a cross-country analysis of profitability for a wide sample of European banks during the great financial crisis. In the last section, the authors discuss the results of the quantitative analysis under the new regulatory and competitive framework that is progressively affecting the banking sector (fintech, Basel regulations, etc.). This book will be of interest to academics, researchers and students of European banking.

Download or read book The Palgrave Handbook of European Banking written by Thorsten Beck and published by Springer. This book was released on 2017-01-12 with total page 691 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Banking in Crisis written by Dr. oec. Fabian Brunner and published by tredition. This book was released on 2020-07-06 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the foreseeable future, banks as we now know them will cease to exist. In view of the increasingly digital banking business, the pressure on costs and the reduction in vertical integration, the banking industry in the future will be characterized by technologization and specialization and threatened by the influence and capabilities of the BigTechs. There will need to be drastic changes in the competitive situation, the value creation structures and business models of the banking industry; despite the protection provided by banking supervisors and governance regulations, the core functions of banking - the handling of payment transactions and financing - are no longer the unique key functions that have made the banking industry indispensable within an economy to date. The perfect storm seems to be brewing; as Bill Gates already said in 1994 "banking is necessary, banks are not". Banks around the world are striving to find an adequate response. This book starts by providing a well-founded theoretical basis and then analyses the situation, identifies the present shortcomings and problem areas of the banks and outlines possible approaches to solutions.

Download or read book Revisiting Risk Weighted Assets written by Vanessa Le Leslé and published by International Monetary Fund. This book was released on 2012-03-01 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Investigating Diversity in the Banking Sector in Europe written by Rym Ayadi and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: A midst stormy waters, financial systems develop and evolve. New institutional forms and instruments are invented and put into use. Some of them turn out to be successful while others disappear: a natural process of creative and dynamic competition argues for diversity. Diversity offers an optimal environment in which new ideas can come to life, existing ideas can evolve and old ideas make a comeback. In the aftermath of the financial crisis, the foundations of several decades of modern and innovative financial systems have suffered serious damage. This has triggered massive state interventions and has led authorities to revamp the regulatory structures and frameworks. While many voices have called for a return to more traditional approaches to banking and finance, no one has argued the merits of diversity. This book investigates the merits of a diverse banking system with a special focus on the performance and role of cooperative banks in seven European countries where they are prominent (Austria, Finland, France, Germany, Italy, the Netherlands and Spain). The theoretical and empirical arguments that are developed in this book tend to support the view that it is economically beneficial to have stakeholder-value banks with a dual bottom-line function, such as cooperative banks. For those who accept this premise, it would suggest that policy-makers should not take or support actions that could jeopardise this valuable element of the financial system in various countries in Europe and of the emerging integrated European financial system. Book jacket.

Download or read book Post Crisis Changes in Global Bank Business Models A New Taxonomy written by Mr.John C Caparusso and published by International Monetary Fund. This book was released on 2019-12-27 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Download or read book Social Banking and Social Finance written by Roland Benedikter and published by Springer Science & Business Media. This book was released on 2011-01-13 with total page 143 pages. Available in PDF, EPUB and Kindle. Book excerpt: For over 2,000 years, banks have served to facilitate the exchange of money and to provide a variety of economic and financial services. During the most recent financial collapse and subsequent recession, beginning in 2008, banks have been vilified as perpetrators of the crisis, the public distrust compounded by massive public bailouts. Nevertheless, another form of banking has also emerged, with a focus on promoting economic sustainability, investing in community, providing opportunity for the disadvantaged, and supporting social, environmental, and ethical agendas. Social Banking and Social Finance traces the emergence of the “bank with a conscience” and proposes a new approach to banking in the wake of the economic crisis. Featuring innovations and initiatives in banking from Europe, Canada, and the United States, Roland Benedikter presents an alternative to traditional banking practices that are focused exclusively on profit maximization. He argues that social banking is not about changing the system, but about improving some of its core features by putting into use the "triple bottom line" principle of profit-people-planet. Important lessons can be learned by the success of social banks that may be useful for the greater task of improving the global financial system and avoiding economic crises in the future.