Journal of
Italian
Banking
Association
year 100
Italian
Banking
Association
year 100
Banks’ Business Model analysis: a logical framework
Mario ComanaJune 2025 - n. 6
Keywords: Banche, business model
Jel codes: G21, G28
There are different ways of carrying out Banking activities, from which different performance and balance sheet indicators arise. Among these ways, it cannot be said that there is one that is preferable, not even in the light of a complete set of indicators such as the one made available by the Ecb and used in this work. Interest in banks' Business Models has been growing in recent years, as evidenced by the literature and the attention of central banks. Every business model has merits and limitations that make the attempt to establish a scale of preferences futile. What matters is the ability of the intermediary to perform its function in the best possible way, satisfying shareholders and all stakeholders, achieving the best levels of efficiency, profitability and risk compatible with its operating model. This article proposes a new approach to the topic, which starts from defining the pillars of the business model to understand how these generate the bank's income, capital, and risk performance.
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