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June 21, 2018

EBA launched its Staff Papers series, which provides a platform for EBA staff to disseminate research and thematic analyses to a wider public. The EBA Staff Papers series will feature selected studies on financial regulation, supervisory policy, and legal issues of general interest, to stimulate discussion and public debate. Of the first two papers included in the series, one analyzes credit supply and real effects of bank bail-ins and the other proposes a standardized classification of bank business models in EU.

Sharing the Pain? Credit Supply and Real Effects of Bank Bail-ins. This paper analyzes the credit supply and real sector effects of bank bail-ins by exploiting the unexpected failure of a major Portuguese bank and its subsequent resolution. The authors show that firms more exposed to the bail-in did not suffer a reduction of overall credit after the intervention when compared to less exposed firms. While banks more exposed to the bail-in significantly reduced credit supply at the intensive margin, affected firms compensated the overall credit tightening with other sources of funding. This issue is particularly important in the context of small and medium enterprises, which rely significantly on the existing banking relationships. The paper is co-authored by the EBA staff member Samuel Da Rocha Lopes with Thorsten Beck and F. Silva from the Cass Business School.

Identification of EU bank business models. This paper proposes a standardized classification of business models of EU banks. The work is based on a rich and unique data set collected for the first time for the full population of EU banks at the individual level. The proposed classification approach combines both a qualitative and a quantitative component. The qualitative component is based on an expert knowledge of the supervisory authority, which is confirmed or challenged by quantitative indicators. The business model categorization can provide the supervisory and regulatory authorities with a benchmark for classifying institutions for a more structured and consistent approach to regulatory impact assessment, analyzing trends and risks, proportionality, and supervision. The paper is co-authored by EBA staff members Marina Cernov and Teresa Urbano.

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Keywords: Europe, EU, Banking, Staff Paper Series, Bail-In, Credit Risk, Business Models, EBA

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