Author(s): Rym Ayadi, Emrah Arbak, Willem Pieter De Groen
Subject: Business models
Date published: June 26, 2012

Rym Ayadi, IRCCF Director, and Willem Pieter De Groen, IRCCF associate researcher, contributed to this book.

Amidst talks 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 EBA’s 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 and provides policy-makers with guidance to reinforce the evolving regulatory framework in European banking.

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