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Carletti, Claessens, Fatás, Vives

Articles by Carletti, Claessens, Fatás, Vives

The Bank Business Model in the Post-Covid-19 World

June 18, 2020

The effects from the Covid-19 crisis come on top of the combination over the past decade of persistently low interest rates, regulatory changes, and competition from shadow banks and new digital entrants that challenged the traditional bank business model pre-Covid-19. The second report in the CEPR/IESE series on The Future of Banking tackles these crucial challenges, examining the competitive responses of the different players – both incumbents and new entrants – and the associated policy and regulatory issues.

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The Covid-19 pandemic has induced a deep global economic crisis. Yet, in the middle of the financial turmoil over the past few months, banks were a source of resilience. Thanks

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The bank business model in the post-Covid-19 world

June 18, 2020

The Covid-19 pandemic has induced a deep global economic crisis. While so far banks have shown their resilience, partly thanks to major reforms after the crisis of 2007-2009, the crisis will put them under stress. Moreover, the traditional banking model was already being challenged pre-Covid by three trends: persistently low interest rates, enhanced regulation, and increased competition from shadow banks and digital entrants. This column introduces the second report in the Future of Banking series from the IESE Business School and CEPR, which provides a perspective on how the current crisis and these trends will shape the future of the banking sector.

The world is witnessing a large and synchronised economic crisis. Forecasts for 2020 suggest a drop in global

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