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Bank business models

Rungporn Roengpitya, Nikola Tarashev and Kostas Tsatsaronis ()

BIS Quarterly Review, 2014

Abstract: We identify three business models using balance sheet characteristics of 222 international banks and a data-driven procedure. We find that institutions engaging mainly in commercial banking activities have lower costs and more stable profits than those more heavily involved in capital market activities, mainly trading. We also find that retail banking has gained ground post-crisis, reversing a pre-crisis trend.

JEL-codes: D20 G21 L21 L25 (search for similar items in EconPapers)
Date: 2014
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