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Misconduct risk in banking services: Does a propensity to be sanctioned exist?

Belinda L. Del Gaudio, Dario Salerno, Gabriele Sampagnaro and Vincenzo Verdoliva

International Review of Financial Analysis, 2022, vol. 81, issue C

Abstract: Litigation against a bank is indicative of misconduct risk because it suggests a failure to process customer complaints. This study examines the relationship between certain bank features and potential and actual misconduct based on a panel of complaints submitted to the Italian ombudsman. We find that bank profits and financial health are strong determinants of potential and actual illegal behaviour, respectively. We control for the level of bank-client contentiousness at the national level and bank size and provide some implications for regulators.

Keywords: Misconduct risk; Bank-customer litigation; Financial stability (search for similar items in EconPapers)
Date: 2022
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DOI: 10.1016/j.irfa.2022.102081

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