The rapid transformation of digital technologies and the growing volume and complexity of banking data have made the need to reconsider banks’ operating models more evident than ever. In this context, artificial intelligence, as one of the most influential transformative technologies, plays a key role in improving decision-making, increasing operational efficiency, reducing risk, and enhancing the quality of banking services. The objective of this article is to present a conceptual and operational framework for designing an AI-based banking operating model. The research methodology is descriptive–analytical and is based on a systematic review of theoretical literature, official reports, and domestic and international scholarly studies, without field data collection or statistical testing. Based on the findings, a five-layer operating model is proposed, consisting of the data layer, analytics layer, decision-making layer, operations layer, and monitoring and feedback layer. This model can serve as a roadmap for modernizing banking operations, improving managerial performance, and enhancing risk control and risk management systems in banks.