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Business Models in the International Banking System—From Traditional to Innovative Banks

In: Innovative Business Development—A Global Perspective

Author

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  • Ramona Orăștean

    (Lucian Blaga University of Sibiu)

Abstract

The international banking system after the global crisis is a system different from the one before, as a result of the crisis itself and global developments (shifts in global economic power, demographic and social change, new regulations, advances in technology and new customer behaviors). This paper analyzes the developments in the banks’ business models, showing the diversity of them at the global level: from retail-funded and wholesale-funded commercial banking models to investment and digital banking business models. The study continues by presenting a performance assessment of top banks from 2008 to 2018 in terms of capital, assets and profit, using The Banker’s database. The results reveal that the international banking system has been reconfigured and it is no longer dominated by the United States but by the China, while Europe’s banks are starting now to recover.

Suggested Citation

  • Ramona Orăștean, 2018. "Business Models in the International Banking System—From Traditional to Innovative Banks," Springer Proceedings in Business and Economics, in: Ramona Orăștean & Claudia Ogrean & Silvia Cristina Mărginean (ed.), Innovative Business Development—A Global Perspective, pages 267-276, Springer.
    • Handle: RePEc:spr:prbchp:978-3-030-01878-8_22
    DOI: 10.1007/978-3-030-01878-8_22
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