The banking sector is undergoing a rapid evolution in its business models to counter the decreased profitability of the core business, which is under pressure following the economic and financial crisis, the changes in demand for products, the increase in competitive offerings and technological development.

The importance of adjusting to this context is further underlined by the decision of the Supervisory Authorities to include the analysis of the business model in the Supervisory Review and Evaluation Process (SREP), aimed at establishing the ability of banks to make sustainable profits in the medium term.