The Determinants of Lending to Customers: Evidence from Italy Between 2008 and 2012

Franco Tutino (), Giorgio Carlo Brugnoni (), Concetta Colasimone () and Luca Riccetti
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Franco Tutino: Sapienza University of Rome
Giorgio Carlo Brugnoni: Sapienza University of Rome
Concetta Colasimone: Sapienza University of Rome

A chapter in Empirical Studies on Economics of Innovation, Public Economics and Management, 2017, pp 57-102 from Springer

Abstract: Abstract Over the period between 2008 and 2012 the loans to customers trend, the quality deterioration of the loans to customers portfolios and the interest return on the lending to customers activity showed in Italy relevant heterogeneities by bank size and by juridical connotation. This paper, based on financial statements data between 2008 and 2012 from about 500 Italian banks, adopts a panel data analysis to investigate if the heterogeneities showed in the loans to customers trend, in the quality deterioration of the loans to customers portfolios and in the interest return on the lending to customers activity are effectively significant and to what extent they could be explained by the differences that could be identified in the main features of the intermediation model adopted by banks. Moreover, this paper investigates the existing relationship between the loans to customers development and the credit quality deterioration and to what extent they both contribute to affect the economic return of the lending to customers activity.

Keywords: Lending to customers; Credit quality; Income effects; Bank size; Juridical connotation; Intermediation model (search for similar items in EconPapers)
Date: 2017
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Persistent link: https://EconPapers.repec.org/RePEc:spr:eurchp:978-3-319-50164-2_4

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DOI: 10.1007/978-3-319-50164-2_4

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