Chakraborty, Saurav; Berndt, Don; Boogers, David - 2021
This research aims to uncover commercial bank business models through cluster analysis. Detailed regulatory snapshots … of bank balance sheet data are used to derive a small set of bank lending features for clustering. These snapshots can be … dramatically declined from 1980 to 2013 (the window of analysis). In addition, commercial bank business models have become more …