Author(s): Rym Ayadi, Willem Pieter De Groen
Subject: Business models
Date of publication: October 2014
The Banking Business Models Monitor 2014 Europe is the first edition of an annual monitoring exercise on banking business models in the EU. Based on their balance sheet structures, 147 European banks accounting for more than 80% of industry assets were categorized in four business models. The Monitor emphasizes the ownership structures and assesses financial and economic performance, resilience and robustness, before, during and after the financial and economic crises across retail diversified-, retail focused-, investment-, and wholesale oriented banks. Inter alia, this study finds that banks that engage more in traditional retail banking activities with a mix of funding sources fared well as compared to other bank models during the different phases of the crisis.