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The International Research Centre on Cooperative Finance (IRCCF) of HEC Montréal publishes research-based analyses in the field of financial services cooperatives. Our series of publications include books, studies, policy papers, working papers and commentaries.

The IRCCF papers represent the authors’ personal opinions and do not necessarily reflect the views of the IRCCF or its staff. All documents are available for free downloading in PDF format.

Diversity of the banking sector revisited: Why does it matter post-financial crisis?

Author(s): Rym Ayadi | September 24, 2015 - This IRCCF commentary explains that the slow macroeconomic recovery, together with new structures and reforms, are expected to impact upon European banking systems and business models, leading to new dimensions of diversity.

Does Basel compliance matter for bank performance? – IMF Working Papers

Author(s): Rym Ayadi, Sami Ben Naceur, Barbara Casu, Barry Quinn | May 2015 - This paper focuses specifically on the adoption of international capital standards and the Basel Core Principles for Effective Bank Supervision (BCP).

State aid to banks and credit for SMEs: is there a need for conditionality? – European Parliament

Author(s): Rym Ayadi, Willem Pieter De Groen, Peter Thyri | February 25, 2015 - This study assesses whether lending to SMEs could and should be one of the conditions for a bank to qualify to receive State aid.

Banking Business Models Monitor 2014 Europe

Author(s): Rym Ayadi, Willem Pieter De Groen | October 7, 2014 - The Monitor offers an annual analysis of the evolving business models whitin the European banking sector since 2006, with a focus on three concepts: contribution to the real economy, performance, resilience and robustness.

Regulation of European banks and business models: towards a new paradigm? – CEPS

Author(s): Rym Ayadi, Emrah Arbak, Willem Pieter De Groen | June 26, 2012 - This report emphasizes the regulatory gaps and provides policy-makers with guidance to reinforce the regulatory framework in European banking.

Investigating diversity in the banking sector in Europe: key developments, performance and role of cooperative banks – CEPS

Author(s): Rym Ayadi, David T. Llewellyn, Reinhard H. Schmidt, Emrah Arbak, Willem Pieter De Groen | September 14, 2010 - This book investigates the merits of a diverse banking system and the performance and role of cooperative banks in Europe.

Diversidad en el sector bancario europeo: la actividad y el papel de las cajas de ahorros – La Fundación de las Cajas de Ahorros

Author(s): Reinhard H. Schmidt, Santiago Carbo Valderde, Rym Ayadi, Emrah Arbak, Francisco Rodriguez Fernandez | May 20, 2010 - This book is a Spanish translation of a study led by the IRCCF Director.

Investigating diversity in the banking sector in Europe: the performance and role of savings banks – CEPS

Author(s): Rym Ayadi, Emrah Arbak, Reinhard H. Schmidt, Santiago Carbó Valverde, Francisco Rodriguez Fernandez | June 26, 2009 - This book investigates the performance and role of savings banks in selected European countries.