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Main Features of the Banking Business Model

In: How to Value a Bank

Author

Listed:
  • Alessandro Santoni

    (European Central Bank)

  • Federico Salerno

    (European Central Bank)

Abstract

Banks are very different from other industries. The business model is mainly based on collecting deposits from customers and granting credits or invest in securities on their own account. This apparently easy business model is, in fact, a complex one. The public role of banks and the potential impact from their default in society has led regulators to introduce a significant quantity of rules designed to mitigate the risks arising from this business. Given their peculiar business model, banks can be particularly challenging to value and require a wholly different approach relative to industrial entities.

Suggested Citation

  • Alessandro Santoni & Federico Salerno, 2023. "Main Features of the Banking Business Model," Springer Texts in Business and Economics, in: How to Value a Bank, pages 5-13, Springer.
    • Handle: RePEc:spr:sptchp:978-3-031-43872-1_2
    DOI: 10.1007/978-3-031-43872-1_2
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