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Impact of european banking regulations on the profitability of european listed banks and levers for improvement

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Magain, Nicolas ULiège
Promoteur(s) : Hübner, Georges ULiège
Date de soutenance : 2-sep-2024/7-sep-2024 • URL permanente : http://hdl.handle.net/2268.2/21414
Détails
Titre : Impact of european banking regulations on the profitability of european listed banks and levers for improvement
Titre traduit : [fr] Impact des réglementations bancaires européennes sur la rentabilité des banques listées en Europe et leviers d'amélioration
Auteur : Magain, Nicolas ULiège
Date de soutenance  : 2-sep-2024/7-sep-2024
Promoteur(s) : Hübner, Georges ULiège
Membre(s) du jury : Suetens, David ULiège
Langue : Anglais
Nombre de pages : 88
Mots-clés : [en] regulations
[en] businessmodel
[en] profitability
[en] bank
[en] BaselIII
[en] AML
[en] FRTB
[en] CSRD
[en] IFRS9
[en] MIFIDII
Discipline(s) : Sciences économiques & de gestion > Finance
Public cible : Professionnels du domaine
Etudiants
Grand public
Institution(s) : Université de Liège, Liège, Belgique
Diplôme : Master en sciences de gestion, à finalité spécialisée en Banking and Asset Management
Faculté : Mémoires de la HEC-Ecole de gestion de l'Université de Liège

Résumé

[en] In this thesis, we explore the impact of various European banking regulations on the
profitability of systemic listed banks across Europe. Our study spans the period from 2000 to
2024, during which the regulatory landscape evolved significantly with the introduction of
Basel III, AML, CSRD, FRTB, IFRS 9, and MiFID II.
Utilizing panel data regression models, we examine how these regulations have influenced
key financial performance indicators: Return on Assets (ROA), Return on Equity (ROE), and
Net Interest Margin (NIM). We find that the impact of these regulations varies depending on
the bank's business model, with universal banks, investment banks, cooperative banks,
holding banks, and commercial banks each responding differently to regulatory pressures.
Our findings suggest that while regulations like Basel III have enhanced financial stability, they
have also imposed significant capital constraints, particularly affecting banks reliant on
traditional interest income. Conversely, compliance with AML regulations, despite its costs,
has been shown to improve banks' reputational capital, fostering long-term profitability.
Moreover, we identify critical levers for improving bank profitability within the regulatory
environment. These include optimizing capital allocation, diversifying income streams, and
investing in advanced risk management technologies. Our research not only confirms existing
theoretical frameworks but also introduces practical leadsfor banks to adapt and thrive under
stringent regulatory requirements.
By analysing the intersection of regulation and profitability, this thesis contributes to a
nuanced understanding of the challenges and opportunities faced by European banks in a
highly regulated environment. Our insights provide valuable guidance for policymakers, bank
managers, and financial regulators in optimizing the balance between regulatory compliance
and financial performance.


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Auteur

  • Magain, Nicolas ULiège Université de Liège > Master sc. gest., fin. spéc. banking & asset man.

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Membre(s) du jury

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