Journal of
Italian
Banking
Association

year 100
 

Archive » September 2014

September 2014

The integration process of the European single market is at a turning point, with the three pillars of the Banking Union. The legislative and fiscal disparities, still existing at national level, can determine capital outflows...
The recent indications of the Bank of England and the European Central Bank show the benefits of qualifying securitization as a funding tool and risk control instrument, extending it to Italian and European SMEs
Recent official figures on savings and investments in Italy cannot clarify the relationship between growth and savings, while it is clear that a key role is played by the fall of real investments and of households consumption

Good news, bad news: a proposal to measure banks' reputation using Twitter

Vincenzo Farina, Giampaolo Gabbi, Daniele Previati
Reputation is a special issue for financial institutions, particularly nowadays due to the great pressure they are facing as a consequence of the recent financial crisis. However, in banking literature...

Risk culture and the recent guidance of Fsb

Diana Capone, Stefano De Polis
The Financial Stability Board has recently identified some foundational elements that contribute to the promotion of a sound risk culture within a financial institution and consistently support appropriate risk awareness...
This paper outlines an analysis model to define the optimal structure of the board in terms of composition, size and skills, in order to verify the quality of corporate governance

Reverse mortgage, an instrument to help retirees

Claudio Pacella, Angelo Peppetti
A reverse mortgage is a loan available to homeowners older than 65 years, that enables them to convert part of the equity in their home into cash, retaining the ownership of the home
The effects of the financial crisis and the changes in the regulatory context will lead to a revision of business models for the distribution of financial services. A research conducted for the period 2006-2012 on 27 Italian banks