Valuation of bank in crisis

The valuation of the bank in a crisis situation arises many difficulties. Particularly difficult is the choice of valuation methods, and the doubts multiply when the crisis in the bank occurs along with financial crisis, national or international. Proposed by the author a new model involves applying  valuation, after the combined value of the bank’s customers. The usefulness of such a model ensues from the fact, that in a crisis situation some bank’s assets lose value rapidly, but also relatively more valuable become the customers with specific features. The author points out that due to the specifics of banking, it is necessary to adapt the known customer valuation models that were designed above all  for manufacturing companies.