On the Relationship between Bank Business Models and Financial Stability

2013 ◽  
Author(s):  
Laura Chiaramonte ◽  
Federica Poli ◽  
Marco Oriani
Keyword(s):  
Financial Stability ◽  
Business Models ◽  
Bank Business Models ◽  
The Relationship

scholarly journals Financial stability and local economic development: the experience of Italian labour market areas

2021 ◽  
Author(s):  
Cristian Barra ◽  
Roberto Zotti
Keyword(s):  
Economic Development ◽  
Labour Market ◽  
Financial Distress ◽  
Financial Stability ◽  
Local Economic Development ◽  
Banking System ◽  
Spatial Effects ◽  
Financial Conditions ◽  
Market Areas ◽  
The Relationship

AbstractRegulators should ensure the smooth functioning of the system and promote regional development. Making the health of financial institutions is therefore a prerequisite for a sustainable economic development. This paper contributes to the literature on the relationship between the financial stability and growth within the area of one country. This implies that institutional, legal, and cultural factors are more adequately controlled for and financial markets are more accurately bounded. Using a rich sample of Italian banks over the 2001–2012 period, this paper addresses whether different measures of financial distress affect economic development of labour market areas in Italy. Results show that the financial stability has a positive effect on local economic development, robust to alternative variables capturing financial vulnerability. The presence of spatial effects is tested showing that better financial conditions of the banking system in neighbouring areas have a detrimental effect on an area’s growth.

SET UP FOR GROWTH? — AN EXPLORATORY ANALYSIS OF THE RELATIONSHIP OF GROWTH INTENTION AND BUSINESS MODELS

2015 ◽  
Vol 19 (06) ◽  
pp. 1540009 ◽  
Author(s):  
SARAH MAHDJOUR
Keyword(s):  
Business Models ◽  
Theory Of The Firm ◽  
Past Research ◽  
Business Owners ◽  
Competitive Strategies ◽  
Consulting Services ◽  
And Performance ◽  
Set Up ◽  
Relationship Of ◽  
The Relationship

What do growth-oriented business models look like? While several economic theories, such as the theory of the firm, are based on the assumption that firms aim to maximise their profits, past research has shown that growth intention is heterogeneous among firms and that many business owners prefer to keep their firm at a size that they can manage with few resources. This paper explores the relationship of growth intention and business models, based on a sample of 135 German ICT businesses. Following an exploratory approach, Mann–Whitney U tests are applied to analyse how different business model designs correspond with different levels of growth intention. The results indicate that growth intention relates to business owners’ decisions regarding the provision of consulting services, the level of standardisation in offered products and services, the choice of addressed markets, the implementation of competitive strategies based on cost efficiency and of revenue streams based on one-time- and performance-based payments. Furthermore, the results show that growth oriented firms are no more likely than non-growth oriented firms to adapt their business models dynamically to changed internal or external conditions.

La grande crisi globale: una sfida per la politica industriale e per le imprese

2009 ◽  
pp. 9-19
Author(s):  
Riccardo Varaldo ◽  
Lucio Lamberti
Keyword(s):  
Financial Stability ◽  
Business Models ◽  
Jel Classification ◽  
Credit Crunch ◽  
Corporate Structure ◽  
Research And Innovation ◽  
Leading Role ◽  
Long Run ◽  
Rapid Action ◽  
Political Approach

- The years to come are going to be very complex for global economies, a true challenge for industrial policy and corporate decisions. The first priority has been to ensure financial stability and to mitigate the credit crunch effects on economies, but a new strategic issue has to be put rapidly in place: the public rescue policy for economies and corporates. All measures must be taken to avoid the disruption of societies and economies, and this effort needs to be coordinated at the European and international level. In the short term, Italian industries will be less affected due to a higher flexibility and a less procyclical banking effect, but they will be very vulnerable in the long run because of the fragility of the corporate structure. More than other countries, Italy needs rapid action and a strategic political approach. Research and innovation are a must, and universities have to play a leading role in this phase. Keywords: recession, credit crunch, supply chain, business models, R&D policies, industrial Policies Parole chiave: recessione, restrizione del credito, filiera, modelli di business, politiche di R&S, politiche industriali JEL Classification: L25

scholarly journals Ownership structure and risk profile of banks in emerging economies

2019 ◽  
Vol 9 (3) ◽  
pp. 46-65
Author(s):  
Dmitriy Riabichenko ◽  
Martin Oehmichen ◽  
Yaroslav Mozghovyi ◽  
Andreas Horsch
Keyword(s):  
Ownership Structure ◽  
Business Models ◽  
Risk Profile ◽  
Mapping Technique ◽  
Banking Supervision ◽  
Ownership Type ◽  
Self Organizing Maps ◽  
Data Dimensionality Reduction ◽  
Banking Market ◽  
The Relationship

This article analyzes the relationship between ownership structure and risk profile based on the data from the emerging banking market. Using Kohonen self-organizing maps, we divide banks into clusters according to the type of risk profile. This mapping technique is based on panel data dimensionality reduction, as risk profile is changeable over time. We adopted the Basel Committee on Banking Supervision recommendations regarding the types of concentration of funding serving also as a basis for determining the risk exposure of banks and used them as an input for Kohonen maps. We conclude that business models and, consequently, risk exposures of banks significantly depend on sources of capital (domestic private, foreign, state). Our empirical results show that ownership type is a major, but not the only factor influencing bank risk profiles. These findings call for a change of the regulatory paradigm in emerging (banking) markets.

scholarly journals The Contribution of ESG Information to the Financial Stability of European Banks

2021 ◽  
Vol 66 (3) ◽  
pp. 429-450
Author(s):  
Balázs Tóth ◽  
Edit Lippai-Makra ◽  
Dániel Szládek ◽  
Gábor Dávid Kiss
Keyword(s):  
Financial Stability ◽  
Stock Exchange ◽  
Trade Association ◽  
The European Union ◽  
Regulatory Capital ◽  
European Free Trade Association ◽  
European Banks ◽  
Lending Institutions ◽  
The Relationship ◽  
Positive Effect

Nowadays more and more economic actors publish information regarding sustainability, through economic (E), social (S), and governance (G) performance. In the case of banks, ESG performance is important as they affect most of the industries through their investments and loans. In this research our aim is to investigate the relationship between financial stability and ESG performance. We applied panel regressive methods during the analysis. The sample consisted of stock exchange listed lending institutions (243 banks) from the European Union (EU) and the European Free Trade Association (EFTA). Our results show that ESG performance reduced the ratio of non-performing loans significantly. Furthermore, the positive effect of regulatory capital has been confirmed. Consequently, we can assert that the economic, social, and governance performance have beneficial impacts on financial stability. Therefore, the consideration of these pieces of information should be important for the investors and the regulators as well.

scholarly journals Awareness and Availment of Benefits of Senior Citizens in A Highly Urbanized City

2020 ◽  
Vol 3 (2) ◽  
pp. 159-160
Author(s):  
Louieze Gerald C. Gerolin ◽  
Anabelle S. Palic
Keyword(s):  
Financial Stability ◽  
Senior Citizens ◽  
Senior Citizen ◽  
Well Being ◽  
The Elderly ◽  
Poverty Level ◽  
Full Support ◽  
Social Pension ◽  
The Relationship

Republic Act (RA) 9994, otherwise known as the Expanded Senior Citizen Act of 2010, was enacted into law to provide more benefits to the elderly and deliver full support to their well-being (Inabangan et al., 2019). The benefits are essential as most of them no longer hold jobs, and financial stability can be challenging if not fatal. The current laws and policy provisions on food and medicine discount and the granting of a social pension to underprivileged senior citizens are only palliatives at best. However, they stretch the limited incomes of these individuals and their supporting families who live below the poverty level. The purpose of the study is to assess the level of awareness and extent of availment on the benefits under RA 9994 of senior citizens in a highly urbanized city of Negros Occidental as well as the relationship between awareness and availment. Likewise, explore the challenges encountered by senior citizens in availing their benefits under RA 9994.

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