{
  "title": "Post-Crisis Changes in Global Bank Business Models: A New Taxonomy",
  "publication": "IMF Working Papers, December 27, 2019",
  "sourceUrl": "https://www.imf.org/en/publications/wp/issues/2019/12/27/post-crisis-changes-in-global-bank-business-models-a-new-taxonomy-48877",
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  "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).",
  "sections": [
    {
      "heading": "Study scope and metadata",
      "content": "- Title: Post-Crisis Changes in Global Bank Business Models: A New Taxonomy\n- Authors: John C Caparusso, Yingyuan Chen, Peter Dattels, Rohit Goel, Paul Hiebert\n- Publication date: December 27, 2019\n- Sample: 30 Global Systemically Important Banks (G-SIBs)\n- Pages: 34\n- Volume: 2019\n- Issue: 295\n- Series: Working Paper No. 2019/295\n- DOI: https://doi.org/10.5089/9781513522883.001\n- Stock No: WPIEA2019295\n- ISBN: 9781513522883\n- ISSN: 1018-5941\n- Subjects: Banking; Financial institutions; Financial services; Financial statements; Foreign banks; Global systemically important banks; Investment banking; Public financial management (PFM)\n- 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"
    },
    {
      "heading": "Research goal and framework",
      "content": "- Proposes a novel taxonomy to identify and track business model evolution for the 30 G-SIBs.\n- Taxonomy dimensions:\n  - Consolidated lines of business.\n  - Geographic orientation.\n  - Funding models of international operations.\n  - Legal entity structures of international operations.\n- Data sources: Drawing from banks’ reporting."
    },
    {
      "heading": "Key findings",
      "content": "- G-SIBs have adjusted their business models since the Global Financial Crisis.\n- A notable adjustment: reduction in market intensity across G-SIBs.\n- G-SIBs have maintained international orientation.\n- Pressures on funding models and legal entity structures could affect the efficiency of capital flows through the bank channel."
    },
    {
      "heading": "Analytical implications",
      "content": "- Tracking business model evolution requires multi-dimensional analysis covering lines of business, geography, funding, and legal-entity structure.\n- Changes in funding models and entity structures have potential systemic implications by altering capital flow efficiency via banks."
    },
    {
      "heading": "Policy-relevant observations",
      "content": "- Regulatory and operating environment shifts after the Global Financial Crisis have materially influenced large international banks’ strategies.\n- Monitoring of funding-model and legal-entity-structure adjustments is important for assessing cross-border capital flow transmission through the banking sector.\n\nIMF Working Paper No. 2019/295 (Post-Crisis Changes in Global Bank Business Models: A New Taxonomy).\n\n---\n\n Content in this bundle\n\n- Working Paper\n  - Working Paper (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - Working Paper (PDF){rel=\"external\" type=\"application/pdf\"}\n\n---\n\nSource: https://www.imf.org/en/publications/wp/issues/2019/12/27/post-crisis-changes-in-global-bank-business-models-a-new-taxonomy-48877"
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    "Authors: John C Caparusso, Yingyuan Chen, Peter Dattels, Rohit Goel, Paul Hiebert",
    "Published: December 27, 2019",
    "Series: IMF Working Papers",
    "DOI: https://doi.org/10.5089/9781513522883.001",
    "Title: Post-Crisis Changes in Global Bank Business Models: A New Taxonomy",
    "Authors: John C Caparusso, Yingyuan Chen, Peter Dattels, Rohit Goel, Paul Hiebert",
    "Publication date: December 27, 2019",
    "Sample: 30 Global Systemically Important Banks (G-SIBs)",
    "Pages: 34",
    "Volume: 2019",
    "Issue: 295",
    "Series: Working Paper No. 2019/295",
    "DOI: https://doi.org/10.5089/9781513522883.001",
    "Stock No: WPIEA2019295",
    "ISBN: 9781513522883",
    "ISSN: 1018-5941",
    "Subjects: 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",
    "Proposes a novel taxonomy to identify and track business model evolution for the 30 G-SIBs.",
    "Taxonomy dimensions:",
    "Data sources: Drawing from banks’ reporting.",
    "G-SIBs have adjusted their business models since the Global Financial Crisis.",
    "A notable adjustment: reduction in market intensity across G-SIBs.",
    "G-SIBs have maintained international orientation.",
    "Pressures on funding models and legal entity structures could affect the efficiency of capital flows through the bank channel.",
    "Tracking business model evolution requires multi-dimensional analysis covering lines of business, geography, funding, and legal-entity structure.",
    "Changes in funding models and entity structures have potential systemic implications by altering capital flow efficiency via banks.",
    "Regulatory and operating environment shifts after the Global Financial Crisis have materially influenced large international banks’ strategies.",
    "Monitoring of funding-model and legal-entity-structure adjustments is important for assessing cross-border capital flow transmission through the banking sector.",
    "**Working Paper**"
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