Report

Barcelona Reports

Barcelona 2: The Bank Business Model in the Post-Covid-19 World

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.

Publication file

PDF document / 5.69 MB

Citation

Carletti, E, S Claessens, A Fatas and X Vives (eds) (2020), ‘Barcelona 2: The Bank Business Model in the Post-Covid-19 World‘, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Digital money, payments and banks‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Digital disruption and banks’ business models‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Challenges to the business models of banks‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Introduction: Barcelona 2: The Bank Business Model in the Post-Covid-19 World‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Competitive strategies of the players‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Regulation, policy, and financial stability‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Banking in a post-Covid world‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Challenges to banks’ business models‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘The role of banks in the economy‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Banking business models‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Evolution of bank profitability‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Challenges to banks’ business models: Conclusions‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘The digital economy and banks’ business models‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Technology in finance and banks’ business models‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Technology-driven changes in provision‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Evidence on technology-driven changes in financial services‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Risks and regulatory responses‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Policy issues raised by digitalisation‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘The digital economy and banks’ business models: Summary‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Digital money, payments and banks‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Technology, digital money and payments‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘New forms of digital money‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘The role of regulators and central banks‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Technology, new entrants and competition‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Changes in the competitive landscape for banks‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Digital money, payments and banks: Conclusion‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Carletti, E, S Claessens, A Fatas and X Vives (2020), ‘Discussions: Barcelona 2: The Bank Business Model in the Post-Covid-19 World‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Beck, T (2020), ‘Discussion of Chapter 2 by Thorsten Beck: Barcelona 2: The Bank Business Model in the Post-Covid-19 World‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Seru, A (2020), ‘Discussion of Chapter 3 by Amit Seru: Barcelona 2: The Bank Business Model in the Post-Covid-19 World‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world

Citation

Niepelt, D (2020), ‘Discussion of Chapter 4 by Dirk Niepelt: Barcelona 2: The Bank Business Model in the Post-Covid-19 World‘, in Carletti, E, S Claessens, A Fatas and X Vives (eds), Barcelona 2: The Bank Business Model in the Post-Covid-19 World, CEPR Press, Paris & London. https://cepr.org/publications/books-and-reports/barcelona-2-bank-business-model-post-covid-19-world