Modelli di business e modelli manageriali della banca Dal rischio di business model al rischio strategico. Verso una revisione del framework dei rischi bancari?

Abstract

The paper takes up the theoretical aspects that I dealt with in the first part of the AIFIRM-APB position paper, Business Model and SREP: the role of the CRO and the CFO and which I commented on in the Webinar of last July 9th. Starting from a defining framework, I deepen the theme of business model risk and its relationship with strategic risk. And I raise the question of revising the banking risk framework. In particular, I highlight how the business model and strategic risk depend on the management model. At the same time, ample space is dedicated to illustrating how the management model risk influences the sustainability of the business model. I examine the operational implications of the theoretical framework of the business model and propose a review of the business planning process. The purpose of the article is to start a debate with the intervention of risk management specialists above all.