We ran a worldwide investigation of the business models of 1,237 banks during 2011–2017 by applying a cluster analysis including ratios from both sides of the balance sheet of the bank and income statement. Then, via a connection analysis, we analysed whether there is a link between the adoption of a specific business model and size, profitability, efficiency and risk profile. We found that a bank business model is based on different endogenous factors (bank financial statements items and operating strategy) and can be linked to exogenous factors (financial crises, policies of central banks).
Cluster analysis of bank business models: The connection with performance, efficiency and risk
A. G. Quaranta
2021-01-01
Abstract
We ran a worldwide investigation of the business models of 1,237 banks during 2011–2017 by applying a cluster analysis including ratios from both sides of the balance sheet of the bank and income statement. Then, via a connection analysis, we analysed whether there is a link between the adoption of a specific business model and size, profitability, efficiency and risk profile. We found that a bank business model is based on different endogenous factors (bank financial statements items and operating strategy) and can be linked to exogenous factors (financial crises, policies of central banks).File in questo prodotto:
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