The issue of the commercial bank‘s business model is one vast, given the complexity of banking activity alike actual financial and economic context, defined for commercial banks in Moldova among other factors of influence and the recent global financial crisis, during an European integration banking process. From this perspective complex systems sometimes seem too chaotic to be able to recognize in them a pattern being even difficult to build valid universal templates, but possibly to determine specific in-fluence factors on systems and to determine the influence of these factors on system. Management's opinion of a bank determines the application of a specific banking business model; the vision is influenced in turn by risk appetite and management of commercial bank.