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2019 | OriginalPaper | Chapter

5. Bank Business Models and Financial Stability Assessment

Author : Rym Ayadi

Published in: Banking Business Models

Publisher: Springer International Publishing

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Abstract

After defining and identifying business models in banks in Europe, US and Canada, this chapter examines the relevance of the business models analysis in banking for financial stability assessment. First, it reviews the dimensions of financial stability and assessment framework broadly. Second, it explains how business models analysis in banks can serve to complete the financial stability assessment framework. Third, it discusses the importance of the business models analysis for the future of regulation and supervision.

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previous chapter Identification of Business Models

next chapter Business Models, Ownership, Organisational Structures and Size

For an overview of financial stability, see Houben et al. (2004).

Later, Ayadi and Ferri (2016) showed that business models matter for the optimal design of banking resolution.

DIRECTIVE 2013/36/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC; and REGULATION (EU) No 575/2013 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012.

Ayadi, R., E. Arbak and W.P. de Groen (2012), Regulation of European Banks and Business Models: Towards a new paradigm?, Centre for European Policy Studies (CEPS), Brussels.

Ayadi, R. (2012), on Basel regulation and banks’ incentives, in New paradigms in banking, financial markets and regulation, Edited by Morten Balling, Frank Lierman, Freddy Van den Spiegel, Rym Ayadi & David T. Llewellyn, SUERF Study2012/2, Larcier.

Ayadi, R and G. Ferri (2016), Total Assets versus RWA: does it matter for MREL requirements, European Parliament, Brussels.

Houben, A., J. Kakes and G. Schinasi (2004), Toward a framework for safeguarding financial stability, IMF Working Paper 04/101, IMF, Washington, DC.

Title: Bank Business Models and Financial Stability Assessment
Author: Rym Ayadi
Publisher: Springer International Publishing
Book: Banking Business Models
Print ISBN: 978-3-030-02247-1

Electronic ISBN: 978-3-030-02248-8

Copyright Year: 2019
DOI: https://doi.org/10.1007/978-3-030-02248-8_5