Journal of
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Archive » October 2019 » Bank business models transition in Europe

Bank business models transition in Europe

Vincenzo D’Apice, Francesco Masala,Tommaso Oliviero, Giovanni W. Puopolo
October 2019 - n. 10
Keywords: Modelli di business, bilancio, banche europee
Jel codes: G21, G28

Low economic growth, near-zero interest rates, technological innovation and regulatory reform are some of the factors that are redesigning the macroeconomic scenario in which banks operate, influencing their business models. Using a cluster analysis, based on balance sheet variables, three business models are identified (traditional wholesale banks, traditional retail banks and diversified banks) and it is highlighted how the European banking sector is evolving towards a traditional retail model.

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