Business Models in banks: definition, identification and financial stability assessment – Europe, United States and Canada

Rym Ayadi

This book is a result of several years of research to provide readers with a novel and comprehensive analysis on business models in banking, essential to understanding bank businesses pre- and post- financial crisis and how they evolve in the financial system. This book will provide depositors, creditors, credit rating agencies, investors, regulators, supervisors, and other market participants with a comprehensive analytical framework and analysis to better understand the nature of risk attached to the bank business models and its contribution to systemic risk throughout the economic cycle. The book will also guide post-graduate students and researchers delving into this topic.

Cross-country variation in financial inclusion: a global perspective

Mais Sha'ban, Claudia Girardone, Anna Sarkisyan

Recent years have witnessed a global commitment to advancing financial inclusion as a key enabler for promoting equal opportunity and reducing poverty. In this paper, we use the IMF’s Financial Access Survey data and two different approaches to construct a multidimensional financial inclusion index for a global sample of 95 countries over 2004-15. Results reveal an overall progress in financial inclusion over the period under study, most markedly in the use and access dimensions. Financial inclusion appears to be positively and significantly associated with GDP per capita, employment, bank competition, human development, government integrity, and internet usage. Our evidence also points to the importance of considering the level of national income when designing policies to boost financial inclusion.

Return migration and socioeconomic mobility in MENA:Evidence from labour market panel surveys

Vladimir Hlasny and Shireen AlAzzawi

This study examines the effects of cross-border return migration on intertemporal and intergenerational transmission of socio-economic status across six new harmonized surveys from three Arab countries: Egypt (1998, 2006, 2012), Jordan (2010, 2016) and Tunisia (2014). We link individuals’ current outcomes to those in prior years and to their parents’ outcomes. We first isolate the outcomes of interest – income, employment status, household wealth based on both productive and non-productive assets, and residence status. Next, we evaluate individuals’ socioeconomic mobility over time and across generations as a function of their migration histories. Return migrants, current migrants, and (yet) non-migrants are distinguished. Transitions in individuals’ outcomes across years and generations are made functions of pre-existing socioeconomic status, demographics and migration status.

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