Journal of
Italian
Banking
Association
year 100
Italian
Banking
Association
year 100
Archive » November 2019 » The economic and structural impacts of generalized Npls’ sales
The economic and structural impacts of generalized Npls’ sales
Francesco CesariniNovember 2019 - n. 11
Keywords: Crediti deteriorati, cessioni, banche
Jel codes: G21, G28
The pressure imposed by European regulation and the tight timeframes adopted by Supervisors to reduce Npls have forced Italian banks into accelerated action. This has often resulted in their massive transfer to specialist operators, rather than tackling the long and complex road of internal management and recovery. A large Npl market has developed, in the hands of players free of banking rules, which could over time turn into competitors. A reorientation is therefore appropriate to return to competent and effective internal loan management, in the interests of banks and businesses.
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