Business Models In European Banking
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Regulation Of European Banks And Business Models
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Author : Rym Ayadi
language : en
Publisher:
Release Date : 2012
Regulation Of European Banks And Business Models written by Rym Ayadi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Business & Economics categories.
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.
Business Models In European Banking
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Author : Rym Ayadi
language : en
Publisher:
Release Date : 2011
Business Models In European Banking written by Rym Ayadi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011 with Business & Economics categories.
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.
Banking Business Models
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Author : Rym Ayadi
language : en
Publisher: Springer
Release Date : 2019-04-23
Banking Business Models written by Rym Ayadi and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-04-23 with Business & Economics categories.
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.
The Business Of Banking
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Author : Giusy Chesini
language : en
Publisher: Springer
Release Date : 2017-10-09
The Business Of Banking written by Giusy Chesini and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10-09 with Business & Economics categories.
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.
Business Performance And Financial Institutions In Europe
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Author : Alexandra Horobet
language : en
Publisher: Springer Nature
Release Date : 2020-10-24
Business Performance And Financial Institutions In Europe written by Alexandra Horobet and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-24 with Business & Economics categories.
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.
Regulatory Influence On Business Model And Individual Behaviour In A European Multinational Bank
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Author : Johann Zweigardt
language : en
Publisher: GRIN Verlag
Release Date : 2022-11-16
Regulatory Influence On Business Model And Individual Behaviour In A European Multinational Bank written by Johann Zweigardt and has been published by GRIN Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-11-16 with Business & Economics categories.
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.
Post Crisis Changes In Global Bank Business Models A New Taxonomy
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Author : Mr.John C Caparusso
language : en
Publisher: International Monetary Fund
Release Date : 2019-12-27
Post Crisis Changes In Global Bank Business Models A New Taxonomy written by Mr.John C Caparusso and has been published by International Monetary Fund this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-12-27 with Business & Economics categories.
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.
Liquidity Risk Efficiency And New Bank Business Models
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Author : Santiago Carbó Valverde
language : en
Publisher: Springer
Release Date : 2016-09-10
Liquidity Risk Efficiency And New Bank Business Models written by Santiago Carbó Valverde and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-09-10 with Business & Economics categories.
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.
Banking In Europe
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Author : Mariarosa Borroni
language : en
Publisher: Springer
Release Date : 2019-04-09
Banking In Europe written by Mariarosa Borroni and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-04-09 with Business & Economics categories.
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.
Do We See Risk Premium In European Banking Business Models The Investment Services Distribution Case
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Author : Paola Musile Tanzi
language : en
Publisher:
Release Date : 2016
Do We See Risk Premium In European Banking Business Models The Investment Services Distribution Case written by Paola Musile Tanzi and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
Business Model Analysis is acquiring increasing visibility in the European banking regulatory framework, following the EBA guidelines on common procedures and methodologies for the supervisory review and evaluation process (SREP) to assess business and strategic risks (EBA, 2014; EBA, 2015). Starting from a selected literature review, in our paper we analyze the investment services distribution business models firstly by comparing European niche players with European banking global players and, secondly, comparing European niche players among themselves, to understand the evolution of investment services distribution business models at European level. We consider a sample of European financial players from 2009 to 2014. Our focus is on France, Germany, Italy, the Netherlands, Spain and the UK; overall our handmade data set is based on 162 Annual Reports. We follow two main questions: I) Do the niche players, focused on the investment services distribution area, have an upper limit on profitability, compared to the global players, risk-takers in many financial areas? II) How is the niche players business model changing, facing the increasing competition and the regulatory pressures? Answering the first research question, the best net profitability is noted in the niche players group; the global players, as risk takers, achieve a worse remuneration, in contrast with the risk premium theory. The results were assessed over a limited period of time, however deemed in line with the companies strategic planning horizon. Answering the second research question, we focus on the European investment service distribution niche players area, using a cluster analysis. We identify three different business models: a) most dynamic niche players, combining the investment services and the insurance and welfare services, able to achieve the highest margin and stability; b) players focused mainly on asset management production, the key vulnerability for them is the degree of open architecture, especially in light of the MiFID 2 implementation; c) players mainly focused on creating well-structured on-line platforms, offering also brokerage services, thus reducing their marginality and potentially increasing their business risk. Our research gives some inputs for those interested in deepening the business and strategic risk assessment both for the global banks and the investment services distribution niche players.