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2019 | OriginalPaper | Chapter

11. Resolution and Business Models

Author : Rym Ayadi

Published in: Banking Business Models

Publisher: Springer International Publishing

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Abstract

In Europe, policy responses to the GFC have emphasised the completion of Banking Union—mainly the resolution pillar enacted under the European legislative framework known as the Bank Recovery and Resolution Directive (BRRD). Depending on their business model, ownership structure and size, banks respond differently to these resolution metrics that are not calibrated to the business models. The feasibility and the credibility of their response are essential for the stability and safety of the financial system.
This chapter exposes the resolutions indicators used and shows the results of how business models of banks in Europe respond to the resolution requirements. The same exercise can be done for US and Canadian banks but the results are not illustrated in this chapter.

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Footnotes
1
Ongoing research by the author.
 
2
It should also be remembered that BCBS and FSB have no legislative powers and only foster international cooperation. Their aim is, therefore, to set minimum international standards and leave discretionary rulemaking to the regulatory authorities of participating countries. It is no coincidence that Europe’s MREL legislation includes more discretionary tools for supervision authorities than FSB’s proposal for TLAC.
 
3
For non-systemic banks, the gap is a surplus (negative gap) for more than 90% of the observations.
 
Literature
Ayadi, R and G. Ferri (2016), Total Assets versus RWA: does it matter for MREL requirements, European Parliament, Brussels.
Ayadi, R. et al. (2016), “Banking Business Models Monitor 2015: Europe”, Montreal, International Research Centre On Cooperative Finance, HEC Montreal.
BCBS (2010), “Calibrating regulatory minimum capital requirements and capital buffers: A top-down approach”, Basel Committee on Banking Supervision, Bank for International Settlements, Basel, October.
Metadata
Title
Resolution and Business Models
Author
Rym Ayadi
Copyright Year
2019
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_11