Banking Business Models Monitor 2015 Europe

125 Pages Posted: 27 May 2016

See all articles by Rym Ayadi

Rym Ayadi

HEC Montreal ; HEC Montreal

Willem De Groen

Centre for European Policy Studies (CEPS)

Ibtihel Sassi

Independent

Walid Mathlouthi

Independent

Harol Rey

Independent

Olivier Aubry

Independent

Date Written: January 14, 2016

Abstract

In the context of evolving market structures and regulations, where fundamental changes keep applying to the European Banking Sector, especially since 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.

Keywords: regulation, europe, financial crisis, bank, business models, cooperative

Suggested Citation

Ayadi, Rym and Ayadi, Rym and De Groen, Willem and Sassi, Ibtihel and Mathlouthi, Walid and Rey, Harol and Aubry, Olivier, Banking Business Models Monitor 2015 Europe (January 14, 2016). Available at SSRN: https://ssrn.com/abstract=2784334 or http://dx.doi.org/10.2139/ssrn.2784334

Rym Ayadi (Contact Author)

HEC Montreal ( email )

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

HEC Montreal ( email )

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

Willem De Groen

Centre for European Policy Studies (CEPS) ( email )

1 Place du Congres, 1000
Brussels, 1000
Belgium

Ibtihel Sassi

Independent

Walid Mathlouthi

Independent

Harol Rey

Independent ( email )

Olivier Aubry

Independent ( email )

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