The article introduces a new model to measure how well banks are doing their job of connecting people who have money to people who need money. This model looks at more than just the size of a bank's loans compared to its deposits. It considers different aspects of banking that are important for the economy. The researchers tested this model on data from Slovak banks between 2008 and 2016. They found that their approach gives a more detailed view of how well banks are performing their role as financial intermediaries compared to traditional methods.