This Palgrave Pivot provides a comprehensive overview of the dynamics that are affecting the profitability of European banks since the recent crisis period. More specifically, it sheds light on the most crucial changes in profit generation and on the consequential changes in banking strategies due to fiercer competition, reduced margin and changing regulation. The work is divided in four main parts. The first section introduces the changes in bank management policies, considering the periods before and since the crisis. In the second section, the authors review the literature on bank profitability and outline the main determinants of profit generation, and in the third section they provide a cross-country analysis of profitability for a wide sample of European banks during the great financial crisis. In the last section, the authors discuss the results of the quantitative analysis under the new regulatory and competitive framework that is progressively affecting the banking sector (fintech, Basel regulations, etc.). This book will be of interest to academics, researchers and students of European banking.

Autorentext

Mariarosa Borroni is an Associate Professor at the Catholic University, Italy, where she serves as a professor of Banking and Financial Intermediaries. Her research interests are in the areas of banking management and banking regulation.

Simone Rossi is an Assistant Professor at the Catholic University of Piacenza, Italy, where he serves as a professor of Banking and Financial Markets Economics and Asset Management. His research interests are in the areas of banking management, banking regulation and financial instruments.

Inhalt
1 Bank Management After the Great Crisis2 Bank Profitability: Measures and Determinants
3 Profitability of European Banks: A Quantitative Analysis
4 Making Profits in the New Competitive and Regulatory Framework