Andreas Dombret: Business models and the banking sector seen in terms of financial stability Speech by Dr Andreas Dombret, Member of the Executive Board of the Deutsche Bundesbank, at the 16th Banking Symposium of the European Center for Financial Services “Profile and profitability – are banks’ business models in transition?”, Düsseldorf, 20 September 2012. * 1.
*  *  Introduction  Professor Rolfes Ladies and Gentlemen No question: the causes of the financial crisis are manifold. How they all fit together is currently not yet fully known. Perhaps this can never be fully explained – not by practitioners and academics. However, they might be able to achieve an improved understanding of how some of the individual parts interact.