Author(s): Rym Ayadi, Willem Pieter De Groen
Subject: Business models
Date published: October 7, 2014

Prof. Ayadi, IRCCF Director, and De Groen, IRCCF associate researcher, 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 categorized in four business models. The Monitor emphasizes 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.

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