The recent global financial crisis has clearly highlighted the importance of the timely identification of weak banks. This paper introduces and analyses a new sample of European Union (EU) banks, which faced distress during 2008–2015 and provides evidence regarding the relationship between distress and bank-specific, macroeconomic, banking sector and stock market distress determinants, paying particular attention to issues that have been central following the crisis, such as capital, size and revenue diversification. Our findings regarding these variables seem to “connect” well with current supervisory actions. The paper also focuses on banks in EU countries that faced economic problems and documents that the probability of distress in these countries has been influenced by different factors, in comparison to the rest of the EU.

中文翻译：

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2008 年至 2015 年欧盟银行陷入困境：仔细研究资本、规模和收入多元化

最近的全球金融危机清楚地凸显了及时识别薄弱银行的重要性。本文介绍并分析了 2008 年至 2015 年面临困境的欧盟 (EU) 银行的新样本，并提供了有关困境与银行特定、宏观经济、银行业和股市困境决定因素之间关系的证据，特别关注危机后的核心问题，例如资本、规模和收入多元化。我们关于这些变量的发现似乎与当前的监管行动“相关联”。该文件还侧重于面临经济问题的欧盟国家的银行，并记录了与欧盟其他国家相比，这些国家陷入困境的可能性受到不同因素的影响。