Von Ralf Keuper
Sind (Regional-)Banken mit traditionellem Geschäftsmodell auf lange Sicht die erfolgreicheren?
Diese Frage stellen sich die Autoren des Papers Is the Traditional Banking Model a Survivor?, wobei sie auf die Gedanken des Ökonomen George Stigler zurückgreifen:
Our concept of bank survival is derived from Stigler (1958), and includes any bank that did not fail, was not acquired, and was not absorbed into its parent holding company. Our concept of traditional banking is based on four hallmark characteristics of this business model: Relationship loans, core deposit funding, revenue streams from traditional banking products and services, and physical bank branches.
We define a bank as ‘traditional’ if it falls within the $500 million to $10 billion of assets size range and has higher-than-median values for three of the following four variables: Relationship loansto-assets; core deposits-to‑a…