Business Models in Banking: A Cluster Analysis Using Archival Data

Lueg, Rainer; Schmaltz, Christian; Tomkus, Modestas

doi:10.3176/tr.2019.1.06

Cited by 16 publications

(4 citation statements)

References 24 publications

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“…These results confirm the results obtained from the literature regarding the risk of different banking business models. The issue of high credit risk in the investment SMEs and operational SMEs has also been seen in the studies of Ayadi and Geroen [16], Galletta and Mazzu [11], and Lueg et al [20]. In addition, regarding the higher liquidity risk in the second cluster, the results of Sudrajad and Hubner [19] are similar to the presented paper.…”

Section: Analyzing the Risk Of Clusterssupporting

confidence: 89%

“…There has also been a shift to more risky and cost-effective business models during the stable years (conversion from business model 2 to 1 in 2015 and 2016, conversion from business model 3 to 4 in 2010, and change from business model 3 to 2 in 2017 and 2019). This issue has been seen in the study of Molin [17] and Lueg et al [20]. Also, we check the risk of each of the business models after changing the business model.…”

Section: Business Model Migrationmentioning

confidence: 84%

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A Clustering Approach for Business Models of Iranian Banks; Analysis of Risks and Migrations

aghajani

Samizadeh

2023

Scientia Iranica

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Various studies have shown that different banking business models are related to several variables that will change banks' strategies and impose various risks. This paper examines the data from 2006 to 2021 for 33 Iranian banks while identifying different variables affecting business models. K-Means, FCM, and PAM clustering approaches are used to cluster different Iranian banks. Also, by analyzing the liquidity risk, credit risk, and insolvency risk, the impact of the business model on various risks is examined. In the following, the changes in banks' business models are examined by carefully analyzing the state of different business models from 2006-2021. We found that banking business models shifted from SME-invested banks to SMEoperating during shock periods, while the change is reversed during stable periods. Furthermore, large public banks have a small tendency to become large-funding banks in a period of economic stability.

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Section: Analyzing the Risk Of Clusterssupporting

confidence: 89%

Section: Business Model Migrationmentioning

confidence: 84%

A Clustering Approach for Business Models of Iranian Banks; Analysis of Risks and Migrations

aghajani

Samizadeh

2023

Scientia Iranica

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“…They are often subject to political debate and public scrutiny in terms of quality of care and monetary efficiency [46,47]. Conversely, the service and finance industries tend to belong to the ecologically cleaner industriesprovided their debtors are not included as part of their business models [48][49][50], while the business model of financial organizations can often be expressed in financial terms, which lowers the need for voluntary disclosure of ecological and social issues [51][52][53]. I proposed: H2.…”

Section: Industry: Integrated Thinking Reports Often Appear In Contro...mentioning

confidence: 99%

Constructs for Assessing Integrated Reports—Testing the Predictive Validity of a Taxonomy for Organization Size, Industry, and Performance

Lueg

2022

Sustainability

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The lack of an agreed valid measurement of integrated reporting (<IR>) among organizations poses a constant problem to empirical researchers. Lueg and Lueg proposed an <IR> score that rates and categorizes reports according to their compliance with the principles of <IR>. This study tested and validated their proposed coding catalogue, constructs, and taxonomy using capital market data and multivariate statistics. These findings suggested that this <IR> score and the corresponding taxonomy for classifying reports has a high predictive validity and can be used by future researchers to measure <IR>. In particular, this <IR> score confirmed that integrated thinking reports tend to be published by large organizations in controversial industries with an above-average performance (Adj. R2 = 42.2%). The findings also suggested that the construct form of the integrated report contributes more explanatory power than the construct content. In this regard, the results indicated that only full implementers of <IR> show associations with performance, unlike organizations that partially comply with the <IR> principles.

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“…For example, the business model is considered as a set of banking activities in the works of M. Farne and A. Vuldis) [10]. R. Lug, M. Tomkus and K. Schmalz [9] define this term a set of components (somewhat broader) used to overcome competition and achieve optimal profits in the financial market, where a similar product strategy is used, F. Mergaerts, R. Vennet [13] think that "business model" is the structure of assets, liabilities, capital and income.…”

mentioning

confidence: 99%