Credit Development in Italy and the Recent Financial Crisis: Trend, Quality and Intermediation Model. Empirical Evidence by Bank Size

Franco Tutino, Concetta Colasimone and Giorgio Carlo Brugnoni

Banca Impresa Società, 2012, issue 3, 365-400

Abstract: This paper, based on financial statement data from about 500 Italian banks in theperiod between 2006 and 2010, analyses the loans to customers development in Italy by bank size. The research focuses on its evolution over time and on the quality of creditexposures. The aim is to assess the lending policies adopted by Italian banks during therecent financial crisis, by linking the resulting differences also to the bank size and tothe characteristics of the intermediation model adopted. The analysis shows that to theheterogeneity emerged in the loans to customers development and in the deteriorationof its quality correspond significant differences in the business model in terms of orientationto the funding-lending credit intermediation activity with customers.

Keywords: financial crisis; loans to customers; credit quality; bank size; intermediation model. (search for similar items in EconPapers)
Date: 2012
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Persistent link: https://EconPapers.repec.org/RePEc:mul:jqmthn:doi:10.1435/73082:y:2012:i:3:p:365-400

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