Determinanti dell'efficienza dei gruppi bancari dei principali paesi dell'area Euro ed indicazioni manageriali e di policy

Translated title of the contribution: [Autom. eng. transl.] Determinants of the efficiency of the banking groups of the main countries of the Euro area and managerial and policy indications

Francesca Pampurini, Anna Grazia Quaranta

Research output: Contribution to journalArticlepeer-review

Abstract

The aim of this work is to propose some managerial and policy indications after identifying the possible determinants of the highest levels of efficiency achieved by the banking groups of the main Eurozone countries. This kind of analysis appears to be a very current topic in the field of intermediation studies. In fact, in a context of limited profitability and high risk that has been characterizing the banking sector, the institutions at European level, including the Bank of International Settlements, have recently highlighted the importance of analyzing the possible determinants of the efficiency in order to derive the necessary managerial and policy implications. The period of analysis - 2009-2016 - was undoubtedly characterized by a particular market turbulence and by many economic difficulties. By virtue of this, it can be considered a period of time particularly representative of the complexity that characterizes the banking and financial market over the last decade. From this work it emerges that the main determinants of higher efficiency are basically attributable to a business model more oriented towards lending and specific strategic choices, such as the achievement of a medium size accompanied by a rational assessment of the number of units belonging to the same group and adequate policies to rationalize costs and optimize liquidity reserves.
Translated title of the contribution[Autom. eng. transl.] Determinants of the efficiency of the banking groups of the main countries of the Euro area and managerial and policy indications
Original languageItalian
Pages (from-to)463-488
Number of pages26
JournalBANCA IMPRESA SOCIETÀ
Volume2018
DOIs
Publication statusPublished - 2018

Keywords

  • Banche
  • Efficienza
  • Gruppi bancari
  • banking
  • banking groups
  • european banking market
  • indicazioni di policy
  • x-efficiency

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