For all its flaws, the old bank model resolved the incentives in a simple way.
The latest defense of the universal bank model comes from Morgan Stanley CEO James Gorman.
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Regulators, too, should remember that no one bank model offers a clean solution to the problem of systemic risk.
"They made a strong case that they wanted to maintain a universal bank model, " Bove said.
His one-size-fits-all savings bank model flipped the banking industry on its head, leading the charge in online and mobile banking.
The bank model focuses on the establishment of a local social currency pegged to the Brazilian Real, encouraging community members to spend within Conjunto Palmeira.
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Big bank CEOs may not have the most objective of voices but they are loud and powerful, and these days they are using them to defend their universal bank model more openly.
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The global bank model utilized by the banks likes JPMorgan Chase, Citigroup, Bank of America, Goldman Sachs and Morgan Stanley has been under attack to say the least.
FORBES: Don't Hold Your Breath, Big Banks Will Not Be Broken Up
Most of the leading European countries had some sort of central bank, upon the model of the Bank of England.
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The message from clean energy investors like Deutsche Bank and the model provided by our global competitors are both quite clear: what the U.S. needs is not cap and trade but a comprehensive clean economy strategy.
There is always a chance that the bank has a new model that is transforming the industry.
Wachovia, under its former CEO, Ken Thompson, tried to build itself into a universal bank, a business model common in Europe but rare in America.
As global regulators look for ways to reduce risk, CLS Bank offers an interesting model, although one that shows how much thought, time, and determination is required across national boundaries.
The model that has stayed steady through all this is the local community bank, with its simple, understandable model, where deposits are gathered locally, lent locally, and the spread income is used to support the same customers who provide the deposits and loans.
The bank is trying to follow its U.S. model of an integrated corporate and investment bank in emerging markets following the acquisition of Merrill Lynch in 2008.
None of these questions are adequately answered by a World Bank continuing with its current model and business-as-usual.
Despite the bank's flawed business model which led to its failure, it received a clean bill of health from KPMG.
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One bank had a different risk model for every trader, he added.
And if a faulty computer model leads a bank to make deals at too low a price, the problem is likely to afflict an entire series of trades, rather than just a single transaction.
's approach to modifying loans of failed IndyMac Bank and used that as the model for this broader program.
The World Bank regards this scheme as a model for other developing countries.
Sujit Kapadia of the Bank of England is trying to model the web of interdependencies created by the use of complex derivatives.
Look into possible tourism investment bank, based on the Austrian model.
"There is a risk that a bank is taking results from a model and relying on those model results too extensively, " said Jeffrey Brown, a managing director at Promontory Group and former risk manager at the OCC.
The idea is being floated in political and banking circles that a NAMA-style "bad bank" - similar to the model established in the Republic of Ireland - could be set up to remove these debts in the hope that this might free up bank lending once again.
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Even with its failed model and checkered past, the bank is sitting on 8.9 percent capital.
The stand-alone investment bank, which seemed a market-beating model just a couple of years ago, is now looking slightly battered.
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