The fundamentals of banks

We need to revert the story telling on banks and give a proper perspective on what they can do for the economy overall. Corporate and Investment Banking (CIB) is in fact the banking activity that most affects the growth of companies and their ability to be more robust and competitive. In the financial world, the key variable for development is technology, enabling the use of information for the benefit of the customers. The availability of data and their reading on a large scale makes it possible to overcome segmentations and artificial classifications, which have been part of the history of banking strategies, moving towards a punctual offer and cut on the real profile of each individual customer. For the corporate market, the tailor-made design of the products involves a more complex choice, which sees the replacement of credit services open to the whole range of financial operations: from debt capital markets, equity capital markets, private equity, restructuring to M&A deals. In this sense, the role of the bank is crucial because only the bank has knowledge and authority to push and guide managers and entrepreneurs to choices not easy, such as to open up capital and use the markets for their funding. Acting as an advisor, as an investor, or as a financial sponsor. All decisions are decisive for their growth