{"product_id":"frostbank-business-model-canvas","title":"Cullen\/Frost Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCullen\/Frost Bank: Download the Editable Business Model Canvas \u0026amp; Strategic Playbook\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Cullen\/Frost Bank’s business model—this concise Business Model Canvas maps customer segments, value propositions, key partners, and revenue streams to show how the bank competes and grows.\u003c\/p\u003e\n\u003cp\u003eDownload the complete, editable Canvas (Word \u0026amp; Excel) for a section-by-section playbook ideal for investors, consultants, and strategists seeking actionable insights and benchmarking tools.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFrost Bank partners with fintechs like Plaid and FIS to upgrade digital banking and security, enabling real-time payments and machine‑learning fraud detection while avoiding full in‑house build costs; these deals helped Frost process 24% more digital transactions in 2024 versus 2022. By end‑2025, such alliances are vital to compete with national digital‑first banks and to sustain Frost’s ~15% annual growth in mobile users.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Underwriters and Carriers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFrost partners with 30+ third‑party insurance carriers, letting it distribute property, casualty, and life products to retail and commercial clients and earn commission income; in 2024 insurance brokerage revenue contributed an estimated $45–50m to noninterest income (≈3% of total noninterest income).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Product Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eTo support its wealth management and brokerage divisions, Cullen\/Frost Bank partners with mutual fund companies and investment vehicle providers so Frost advisors access a broad mix of equities, fixed income, and ETFs; as of 2025 Frost Wealth oversaw roughly $32.4 billion in AUM, improving product depth for client portfolios. The bank selects partners aligned with its conservative, long-term capital preservation focus, favoring low-cost, high-quality fixed-income funds where yield stability and credit quality drive selection.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Bodies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMaintaining strong ties with federal and state regulators underpins Frost’s stability; as of FY2024 Frost Bancshares reported $55.6B in assets, and oversight from the Federal Reserve and Texas Department of Banking ensures compliance with evolving capital, liquidity, and consumer rules.\u003c\/p\u003e\n\u003cp\u003eThese interactions protect reputation and market trust in Texas, support timely responses to regulatory guidance, and reduce enforcement risk, keeping nonperforming assets low (0.21% NPLs in 2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAssets: $55.6 billion (FY2024)\u003c\/li\u003e\n\u003cli\u003eRegulators: Federal Reserve; Texas Department of Banking\u003c\/li\u003e\n\u003cli\u003eNPLs: 0.21% (2024)\u003c\/li\u003e\n\u003cli\u003eBenefits: compliance, reputational safety, enforcement risk reduction\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Community and Business Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank prioritizes partnerships with Texas chambers of commerce and local nonprofits to deepen its regional footprint, driving roughly 18% of new commercial referrals in 2024 and supplying local market intel that shapes branch placement.\u003c\/p\u003e\n\u003cp\u003eBy end-2025 these grassroots ties remain vital as Cullen\/Frost expands into three new Texas metro areas, supporting a targeted 5–7% deposit growth in those markets.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18% of 2024 commercial referrals from local partners\u003c\/li\u003e\n\u003cli\u003eThree new Texas metros targeted by end-2025\u003c\/li\u003e\n\u003cli\u003eProjected 5–7% deposit growth in new markets\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFrost: Digital +24%, $55.6B assets, $32.4B AUM, $45–50M insurance, 5–7% TX growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eFrost leverages fintechs (Plaid, FIS) to boost digital transactions (+24% from 2022–24) and ML fraud detection, partners with 30+ insurers (insurance revenue $45–50m in 2024), manages $32.4B AUM in Frost Wealth (2025), and maintains strong regulator ties (assets $55.6B, NPLs 0.21% in 2024) and local partnerships driving 18% of commercial referrals (projected 5–7% deposit growth in 3 new TX metros by end‑2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital tx growth (2022–24)\u003c\/td\u003e\n\u003ctd\u003e+24%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance rev (2024)\u003c\/td\u003e\n\u003ctd\u003e$45–50m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFrost Wealth AUM (2025)\u003c\/td\u003e\n\u003ctd\u003e$32.4B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets (FY2024)\u003c\/td\u003e\n\u003ctd\u003e$55.6B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs (2024)\u003c\/td\u003e\n\u003ctd\u003e0.21%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial referrals from local partners (2024)\u003c\/td\u003e\n\u003ctd\u003e18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTarget deposit growth in new TX metros (by end‑2025)\u003c\/td\u003e\n\u003ctd\u003e5–7%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas for Cullen\/Frost Bank detailing customer segments, channels, value propositions, key resources, activities, partners, cost structure and revenue streams, aligned to real-world banking operations and strategic plans to aid presentations, investor discussions, and analytical decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eCondenses Cullen\/Frost Bank's strategy into a digestible one-page Business Model Canvas, saving hours of structuring while enabling quick comparison, team collaboration, and board-ready presentation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Consumer Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary activity is underwriting and managing a diversified loan portfolio—$42.8 billion in loans and leases at Frost Bank as of YE 2024—including commercial real estate and small business loans, with 65% of lending concentrated in Texas markets. Frost maintains a disciplined credit culture and coverage ratios (nonperforming assets 0.27% at Q4 2024) to control risk while actively monitoring GDP, unemployment, and CRE cap rates to adjust lending strategy in real time.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGathering deposits from retail and business clients funds lending; Frost National Bank reported $60.8 billion in core deposits (2025 Q1) with ~55% non-interest-bearing deposits, keeping funding costs low.\u003c\/p\u003e\n\u003cp\u003eActive liquidity management — holding cash, short-term investments and FFIEC-compliant reserves — lets Frost meet obligations and maximize net interest margin, which was 3.45% in FY 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpfrost delivers comprehensive financial planning trust services and investment management to hnw institutional clients managing over billion in wealth assets as of q3 while providing active portfolio rebalancing tailored consulting meet long-term goals.\u003e\n\u003cpby late frost has digitized these services real-time performance dashboards secure e-signing and automated rebalancing client portal engagement year-over-year reducing advisory onboarding time to under days.\u003e\n\u003c\/pby\u003e\u003c\/pfrost\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpcontinuous investment in frost bank mobile and online platforms including redesigned ux for account management check deposit p2p payments targets tech-savvy clients while preserving branch-based advisory service reported million digital users adoption up ppt year-over-year.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003e1.8M digital users (2024)\u003c\/li\u003e\n\u003cli\u003e62% digital adoption (2024)\u003c\/li\u003e\n\u003cli\u003eFocus: UX, mobile deposit, P2P\u003c\/li\u003e\n\u003cli\u003eBlend tech with branch advisory\u003c\/li\u003e\n\n\u003c\/pcontinuous\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank uses advanced analytics to monitor operational, credit, and market risks, allocating roughly 8% of 2024 operating expenses to risk and compliance functions and reducing nonperforming loans to 0.45% of loans by Q4 2024.\u003c\/p\u003e\n\u003cp\u003eIt maintains AML programs and multi-layered cybersecurity (invested ~$75m in 2023–24), while ongoing internal audits verify adherence to internal policies and Fed\/Texas regulators.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e8% of 2024 Opex -\u0026gt; risk\/compliance\u003c\/li\u003e\n\u003cli\u003eNonperforming loans 0.45% (Q4 2024)\u003c\/li\u003e\n\u003cli\u003e$75m cybersecurity spend (2023–24)\u003c\/li\u003e\n\u003cli\u003eContinuous AML and internal audits\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Texas‑focused bank: $42.8B loans, $60.8B core deposits, $47B wealth AUM\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eUnderwrite\/manage $42.8B loan book (YE 2024) with 65% Texas concentration, maintain low NPAs (0.27% Q4 2024) and active macro monitoring; fund lending via $60.8B core deposits (Q1 2025, 55% non‑interest-bearing); run wealth business managing $47B (Q3 2025) with digital onboarding \u0026lt;7 days; invest in digital (1.8M users, 62% adoption 2024) and risk ($75M cyber; 8% opex to compliance 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans \u0026amp; leases (YE 2024)\u003c\/td\u003e\n\u003ctd\u003e$42.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore deposits (Q1 2025)\u003c\/td\u003e\n\u003ctd\u003e$60.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNon‑interest deposits\u003c\/td\u003e\n\u003ctd\u003e~55%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPA (Q4 2024)\u003c\/td\u003e\n\u003ctd\u003e0.27%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM (Q3 2025)\u003c\/td\u003e\n\u003ctd\u003e$47B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital users (2024)\u003c\/td\u003e\n\u003ctd\u003e1.8M (62% adoption)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCyber \u0026amp; risk spend (2023–24)\u003c\/td\u003e\n\u003ctd\u003e$75M; 8% opex to compliance\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe Cullen\/Frost Bank Business Model Canvas you’re previewing is the actual deliverable, not a mockup or sample; it’s a direct snapshot of the file you’ll receive after purchase. Upon completing your order, you’ll get this same professional, ready-to-edit document in full, formatted for immediate use. No hidden pages or altered layouts—what you see is exactly what you’ll download. Purchase grants instant access to the complete file for presenting, editing, or sharing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56748925485433,"sku":"frostbank-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/frostbank-business-model-canvas.png?v=1772211884","url":"https:\/\/matrixbcg.com\/products\/frostbank-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}