Post-Crisis Changes in Global Bank Business Models: A New Taxonomy

By John C Caparusso, Yingyuan Chen, Peter Dattels, Rohit Goel, Paul Hiebert

December 27, 2019

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John C Caparusso, Yingyuan Chen, Peter Dattels, Rohit Goel, and Paul Hiebert. Post-Crisis Changes in Global Bank Business Models: A New Taxonomy, (USA: International Monetary Fund, 2019) accessed December 21, 2024

Disclaimer: IMF Working Papers describe research in progress by the author(s) and are published to elicit comments and to encourage debate. The views expressed in IMF Working Papers are those of the author(s) and do not necessarily represent the views of the IMF, its Executive Board, or IMF management.

Summary

The Global Financial Crisis unleashed changes in the operating and regulatory environments for large international banks. This paper proposes a novel taxonomy to identify and track business model evolution for the 30 Global Systemically Important Banks (G-SIBs). Drawing from banks’ reporting, it identifies strategies along four dimensions –consolidated lines of business and geographic orientation, and the funding models and legal entity structures of international operations. G-SIBs have adjusted their business models, especially by reducing market intensity. While G-SIBs have maintained international orientation, pressures on funding models and entity structures could affect the efficiency of capital flows through the bank channel.

Subject: Banking, Financial institutions, Financial services, Financial statements, Foreign banks, Global systemically important banks, Investment banking, Public financial management (PFM)

Keywords: A number of bank, Bank business models, Bank performance, Business model, Business model framework, Consumer bank, Financial statements, Foreign banks, Global, Global Financial Stability, Global systemically important banks, Group bank revenue, International banks, Investment banking, Line-of-business model, Regulation, Revenue mix, Transaction bank, WP

Publication Details

Pages:

34
Volume:

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DOI:

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Issue:

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Series:

Working Paper No. 2019/295
Stock No:

WPIEA2019295
ISBN:

9781513522883
ISSN:

1018-5941

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