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Bank ratings and business models: the lessons from the crisis

Author

Listed:
  • Vincenzo D'Apice

    (ABI)

  • Giovanni Ferri

    (Lumsa)

  • Punziana Lacitignola

    (Università di Bari)

Abstract

The financial crisis has stimulated researches on the link between risk models and banking business, showing that banks with greater profitability deriving from traditional activity have less chancee to be involved in a crisis. This hypothesis is confirmed by an analysis conducted on a sample of 106 banks operating in Europe, Usa and Japan, considering the credit ratings issued between 2006 and 2011. Results show that up to 2006 financial markets, through the rating agencies, have encouraged choices towards riskier business models while the crisis has stimulated banks to return to traditional business models

Suggested Citation

  • Vincenzo D'Apice & Giovanni Ferri & Punziana Lacitignola, 2014. "Bank ratings and business models: the lessons from the crisis," BANCARIA, Bancaria Editrice, vol. 7, pages 52-55, July.
    • Handle: RePEc:ban:bancar:v:07:y:2014:m:july:p:52-55
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    More about this item

    JEL classification:

    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G01 - Financial Economics - - General - - - Financial Crises

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