Bank Business Models, Negative Policy Rates, and Prudential Regulation

2021 ◽  
Author(s):  
Roberto Savona
Keyword(s):  
Business Models ◽  
Prudential Regulation ◽  
Bank Business Models

scholarly journals Bank business models, negative policy rates, and prudential regulation

2021 ◽  
Author(s):  
Roberto Savona
Keyword(s):  
Interest Rate ◽  
Business Models ◽  
Banking System ◽  
Prudential Regulation ◽  
Interest Rate Policy ◽  
Bank Business Models ◽  
Rate Policy ◽  
Using Data ◽  
Retail Banks ◽  
Compensatory Effect

AbstractUsing data from Italian banks over the period 2011–2017, we study how negative interest rate policy and prudential regulation impact on bank business models. We report four key findings. First, banks shifted into retail- and market-oriented business models. Second, high- and low-deposit banks reduced loans and increased security/liquid assets; only market-oriented banks expanded lending. Third, interest rate income compression induced by negative rates has been substantial for the Italian banking system as a whole, although retail banks seem to have suffered less. Fourth, non-interest incomes played a compensatory effect. The portfolio reshuffling, as we observed for wholesale and retail banks (less lending and more securities/liquid assets), is related to the goal of reducing risk exposures and, in turn, the connected capital absorption required by prudential regulation.

How Bank Business Models Drive Interest Margins: Evidence from U.S. Bank-Level Data

2013 ◽  
Author(s):  
Saskia E. van Ewijk ◽  
Ivo J.M. Arnold
Keyword(s):  
Business Models ◽  
Level Data ◽  
Bank Business Models ◽  
Interest Margins

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

Bank business models and liquidity creation

2020 ◽  
Vol 53 ◽  
pp. 101205 ◽  
Author(s):  
Dung Viet Tran
Keyword(s):  
Business Models ◽  
Bank Business Models

Income Structure and Bank Business Models: Evidence on Performance and Stability from the German Banking Industry

2015 ◽  
Vol 67 (2) ◽  
pp. 226-253 ◽  
Author(s):  
Romona Busch ◽  
Thomas Kick
Keyword(s):  
Business Models ◽  
Banking Industry ◽  
Bank Business Models

Bank business models as a driver of cross-border activities

2020 ◽  
Vol 108 ◽  
pp. 102164
Author(s):  
Mary Everett ◽  
Peter McQuade ◽  
Michael O’Grady
Keyword(s):  
Business Models ◽  
Cross Border ◽  
Bank Business Models

Digital technology disruption on bank business models

2020 ◽  
Vol 21 (1/2) ◽  
pp. 184
Author(s):  
Tabani Ndlovu ◽  
Abdelghani Echchabi ◽  
Mohamed Boulkeroua ◽  
Esinath Ndiweni ◽  
Welcome Sibanda
Keyword(s):  
Digital Technology ◽  
Business Models ◽  
Bank Business Models

scholarly journals Rethinking bank business models: the role of intangibles

2014 ◽  
Vol 27 (3) ◽  
pp. 563-589 ◽  
Author(s):  
Lei Chen ◽  
Jo Danbolt ◽  
John Holland
Keyword(s):  
Business Models ◽  
Bank Business Models

The Golden Rule of Banking: Funding Cost Risks of Bank Business Models

2017 ◽  
Author(s):  
David Groomann ◽  
Peter Scholz
Keyword(s):  
Business Models ◽  
Golden Rule ◽  
Bank Business Models ◽  
Funding Cost
Sign in / Sign up

Export Citation Format

Share Document