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Territorial exclusivity and credit cycle in the Italian subsidiary banks

Simone Rossi
January 2014 - n. 1
Keywords: financial crisis, subsidiary banks, credit cycle
Jel codes: G01, G21, G34

The reorganization of branch networks recently undertaken by Italian banking groups has led many subsidiary banks to operate in territories where the parent company is not present through own branches. The delegation to physically monitor the local environment can lead to an amplified credit cycle of the subsidiary banks.We find support for this hypothesis through the analysis of the Italian subsidiary banks before and during the crisis

 

 

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