Journal of
Italian
Banking
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Archive » December 2016

December 2016

Banks' business models: a survey with a look to new regulation and future strategies

Stefano Cosma, Riccardo Ferretti, Elisabetta Gualandri, Andrea Landi, Valeria Venturelli
Changing market conditions, new technologies, modifications in supervisory frameworks and low interest rates are casting doubt on the sustainability of banking business models. The article supplies a wide-ranging survey ...

Internal ratings, credit growth and Npls: an empirical analysis

Marina Damilano, Paola De Vincentiis, Eleonora Isaia, Patrizia Pia
In this paper, we investigate how the use of internal credit rating systems impacted the lending activity in Italy, during the 2010-2014 downturn. We argue that Irb models, both validated by supervisory authorities ...
15 years of European monetary policy, togheter with incomplete integration and the crisis, have created a mechanism that is transferring wealth from the poorest to the ...
Exchange Traded Funds, available to Italian investors in September 2002, have become successful over time for both institutional and retail investors because of their fundamental characteristics – simplicity, transparency ...
The Italian banking and financial sector have always been at the forefront in the design and use of systems to mitigate and combat money laundering and terrorism financing risks. Intermediaries activity and ...
The strategic and disruptive role of new technologies poses to Italian banks important challenges: to change the core banking to meet the new requirements imposed by the digital era; to take advantage of new ...