Banking Business Models Monitor 2014: Europe

CEPS Paperbacks, 2014

70 Pages Posted: 16 Oct 2014

See all articles by Rym Ayadi

Rym Ayadi

HEC Montreal

Willem De Groen

Centre for European Policy Studies (CEPS)

Date Written: October 14, 2014


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.

Keywords: banking business models, EU, banks, retail banking activities, bank models

Suggested Citation

Ayadi, Rym and De Groen, Willem, Banking Business Models Monitor 2014: Europe (October 14, 2014). CEPS Paperbacks, 2014. Available at SSRN:

Rym Ayadi (Contact Author)

HEC Montreal ( email )

3000, Chemin de la Côte-Sainte-Catherine
Montreal, Quebec H2X 2L3

Willem De Groen

Centre for European Policy Studies (CEPS) ( email )

1 Place du Congres, 1000
Brussels, 1000

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