Academic literature on the topic 'Savings banks – Italy'
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Journal articles on the topic "Savings banks – Italy"
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Franzoni, Simona, and Asma Ait Allali. "The Role of the Participatory Depositor in the Governance of Islamic Banks." International Journal of Business and Management 13, no. 8 (June 30, 2018): 154. http://dx.doi.org/10.5539/ijbm.v13n8p154.
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The aim of this paper is to verify whether participatory depositors, a special category of stakeholder that entrusts its savings to the Islamic Bank on the basis of the Profit and Loss Sharing principle, could be better protected by providing for them to be represented in the governance bodies of the Bank.The analysis that was carried out and consideration of potential risks this category of saver could be exposed to shows the need to ensure greater protection to participatory depositors compared to other stakeholders. Three working hypotheses on the protection method to be applied are formulated.The study was carried out on the basis of a comparative analysis of four case studies from Malaysia, Morocco, Germany and Italy respectively.The performed analysis has led to the conclusion that the representation of participatory depositors should be provided in specific corporate governance committees.
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Butzbach, Olivier KE. "The Evolution of Organizational Diversity in Banking: Savings Banks’ Consolidation and Sector Coordination in France and Italy, 1980–2012." Organization Studies 37, no. 4 (November 3, 2015): 565–89. http://dx.doi.org/10.1177/0170840615604499.
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Incerpi, Andrea, Barbara Pistoresi, and Alberto Rinaldi. "Finance and Development in Italy, 1870-1913." International Journal of Economics and Finance 12, no. 9 (August 25, 2020): 95. http://dx.doi.org/10.5539/ijef.v12n9p95.
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This paper analyses the impact of different sources of financing (foreign capital, migrants’ remittances, and domestic banks intermediation) on Italy’s economic development between 1861 and the World War I. Existing literature has analysed the role of these channels of financial intermediation separately, while this paper for the first time considers them in conjunction. Using IRF from a Cholesky identification structure of a VAR model and relying on an original dataset that combines the most recent series of several financial and economic aggregates, this paper shows that investment in Italy was fuelled by a plurality of sources of funding. A crucial role was played by national saving mobilized by domestic banks and also remittances had a significant impact. Our evidence is instead weaker for foreign capital.
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Bianco, Giovanni. "CHANGE IN THE ITALIAN CONSTITUTIONAL COURT: BUDGET BALANCING MAY ALSO JUSTIFY AN ILLEGITIMATE RECALCULATION OF PENSIONS." International Journal of Legal Studies ( IJOLS ) 2, no. 2 (December 29, 2017): 255–67. http://dx.doi.org/10.5604/01.3001.0012.2317.
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With the decision of October 25, 2017, in Italy the Constitutional Court has finally ruled that the needs of public finance can prevail over the rights of pensioners until an unlawful block of pension revaluation has been remedied. With the introduction of the principle of a balanced budget into the Constitution (art. 81), the foundations are laid to begin to tailor labor policies to the needs of economic and financial elite. The principle is rooted in European legislation that both the EU institutions and the European System of Central Banks (ESCB) are committed to pursue exclusively the objective of price stability (and therefore, as a matter of priority, of a given political system). Only once, without prejudice to this objective, can you pursue the general policies of the Union (such as employment and wage policies). With a balanced budget - constitutionalised in 2012 - the government wanted to experiment - among other things - to what extent it can block the revaluation of pensions and state seniority benefits. At first, the Constitutional Court, in ruling no. 70/2015, ruled against the government and sentenced it to return the sums to retirees inclusive of the revaluation in 2013. In that case, the consultation has considered the constitutional principles of proportionality and adequacy of the pension (art. 36 and 38 Cost.) as taking precedent over a balanced budget (art. 81). The Government reacted: a) returning to pensioners only 2 of the 17 billion Euro taken unlawfully (by means of the so-called Poletti decree); b) sensitizing the Court on finance issues with a bill to highlight the economic consequences of the decisions of the judges in the drafting of judgements and attributing to the government the same decision regarding the manner and timing of implementation of the judicial decisions that generate financial charges onto the government coffers. Perhaps, partly as a result of this moral suasion, the consultative panel has reformulated its approach and, after a few months, the sentence no. 178/2015 formally "condemned" the Government to return to the system of seniority benefits, not from 2013 (ex tunc), but only for the future (ex nunc). The new jurisprudence of the Court has meant that - as the government desired - the principle of the requirements of a balanced budget (art. 81) outweigh the policies that protect workers (Art. 39), resulting in (huge) savings for the government at a figure that is around 35 billion Euro. Finally, with the decision of 25 October 2017, the Court considered the payment of the Poletti bonus sufficient, allowing the government to save about 80% of the subtracted revaluations.
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Bartolacci, Francesca, Andrea Cardoni, Piotr Łasak, and Wojciech Sadkowski. "An analytical framework for strategic alliance formation between a cooperative bank and a fintech start-up: An Italian case study." Journal of Entrepreneurship, Management and Innovation 18, no. 4 (2022): 115–56. http://dx.doi.org/10.7341/20221844.
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PURPOSE: The paper aims to identify the characteristics of the entities involved, the motivations and the processes of forming strategic alliances between a small cooperative bank and a fintech start-up. The paper bridges the research gap in the literature and explains the success factors of strategic alliance between considered entities. METHODOLOGY: We applied a typical qualitative research approach that consists of two steps. The first step was to develop an analytical framework to understand the critical success factors for the strategic alliance formation between banks and fintech start-ups. In the second step, we applied the analytical framework for a case study analysis, considering the strategic alliance between the Banca Popolare di Cortona and the NetFintech start-up. FINDINGS: Our research shows that there are different motives for strategic alliance formation for banks and fintech start-ups. From a theoretical point of view, banks’ motivations are based on outsourcing, innovation, the evolution of the business model, competitive advantage, saving costs, improving service quality, and learning. The main motives for fintechs include access to customers, loans, banking license, economies of scale, trust, and credibility. In the empirical part, we found that the crucial success factors are strategic alignment and hybridization, competence and experience, cultural value and territorial closeness, and professionalism. IMPLICATIONS: The results develop the knowledge about the best conditions for cooperative banks and fintech start-ups strategic alliances. The main limitation is that the paper is based only on one case study and it is related to cooperative banks and does not embrace other groups of banks. For this reason, it can be a basis for further research in this area. The described case study can be a good example to compare other cases of such alliances. Cooperative banks and fintech start-ups involved in a strategic alliance should share the commitment at the governance level. Critical are also the procedures of the alliance formation. ORIGINALITY AND VALUE: This article provides two main contributions to the literature on the technology-driven transformations of the banking sector. First, we elaborated a theoretical framework of the critical success factors for the bank and fintech start-up strategic alliance formation. Second, we applied the framework with the bank–fintech start-up cooperation in the local market in Italy. Contrary to previous research, which focuses mainly on commercial banks, this article presents the relationship between cooperative banks and fintech start-ups.
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Riefolo, Carmela, Ilaria Antelmi, Annamaria Castrignanò, Sergio Ruggieri, Ciro Galeone, Antonella Belmonte, Maria Rita Muolo, et al. "Assessment of the Hyperspectral Data Analysis as a Tool to Diagnose Xylella fastidiosa in the Asymptomatic Leaves of Olive Plants." Plants 10, no. 4 (April 1, 2021): 683. http://dx.doi.org/10.3390/plants10040683.
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Xylella fastidiosa is a bacterial pathogen affecting many plant species worldwide. Recently, the subspecies pauca (Xfp) has been reported as the causal agent of a devastating disease on olive trees in the Salento area (Apulia region, southeastern Italy), where centenarian and millenarian plants constitute a great agronomic, economic, and landscape trait, as well as an important cultural heritage. It is, therefore, important to develop diagnostic tools able to detect the disease early, even when infected plants are still asymptomatic, to reduce the infection risk for the surrounding plants. The reference analysis is the quantitative real time-Polymerase-Chain-Reaction (qPCR) of the bacterial DNA. The aim of this work was to assess whether the analysis of hyperspectral data, using different statistical methods, was able to select with sufficient accuracy, which plants to analyze with PCR, to save time and economic resources. The study area was selected in the Municipality of Oria (Brindisi). Partial Least Square Regression (PLSR) and Canonical Discriminant Analysis (CDA) indicated that the most important bands were those related to the chlorophyll function, water, lignin content, as can also be seen from the wilting symptoms in Xfp-infected plants. The confusion matrix of CDA showed an overall accuracy of 0.67, but with a better capability to discriminate the infected plants. Finally, an unsupervised classification, using only spectral data, was able to discriminate the infected plants at a very early stage of infection. Then, in phase of testing qPCR should be performed only on the plants predicted as infected from hyperspectral data, thus, saving time and financial resources.
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Donnelly, Shawn, and Gaia Pometto. "Banking Nationalism and Resolution in Italy and Spain." Government and Opposition, August 2, 2022, 1–20. http://dx.doi.org/10.1017/gov.2022.27.
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Abstract This article contributes to the comparative literatures on varieties of financial capitalism, economic nationalism and bank resolution with a focus on Spain and Italy's management of bank insolvency and resolution between 2008 and 2018. Both countries' alternative banks faced enormous challenges through prolonged economic decline and declining loan repayments, both turned to depositors to become investors in lieu of attracting arm's-length investors to inject capital, and both had strong connections with local political authorities that resisted bank reform. But Spanish banks were restructured successfully in accordance with EU law while local government ties complicated Italian resolutions. We explain this outcome through two factors: state strength buttressed by outside assistance from the European Stability Mechanism; and strong international marketization, which enhanced the drive to restructure quickly. Spain's decision to ask for loans from the European Stability Mechanism to help restructure its heavily marketized savings banks allowed it to finish reforms after 2012.
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Salvatori, Guglielmo, Domenico Umberto De Rose, Maria Clemente, Cristina Gentili, Giovanni Paride Verardi, Patrizia Amadio, Maria Paola Reposi, Pietro Bagolan, and Andrea Dotta. "How much does a liter of donor human milk cost? Cost analysis of operating a human milk bank in Italy." International Breastfeeding Journal 17, no. 1 (December 20, 2022). http://dx.doi.org/10.1186/s13006-022-00530-4.
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Abstract Background To date, 40 Human Milk Banks (HMB) have been established in Italy; however, recent cost analysis data for operating an HMB in Italy are not available in the literature. Methods This study was a cross-sectional study performed at “Bambino Gesù” Children’s Hospital in Rome, Italy in 2019. We assessed the one-year operational costs and, the per liter unit costs at our HMB. Results During the 2019 year we collected 771 l of human milk supplied by 128 donors. The total cost was € 178,287.00 and the average cost was € 231.00 per liter. € 188,716.00 would have been spent had the maximum capacity for 904 l been reached. We found a significant difference (€ 231.00 vs € 209.00 per liter, p = 0.016) comparing the cost for collected liters in the year 2019 and the cost for the maximum capacity of the bank for that year of activity. Analyzing each cost item that determines the charge of donor human milk (DHM), the highest costs are the salaries of medical and paramedical staff, and then the costs related to transporting. If the HMB works at maximum capacity and manages a greater number of liters of milk, this can represent an important saving. Conversely, the price of consumables is modest (i.e., the price of a single-use kit for breast pumps was € 0.22 per unit). Conclusion The costs for a liter of DHM are quite high, but they must be related to the benefits, especially for preterm infants. Comparing the cost for collected liters in 2019 and the costs for the 2019 maximum capacity of the HMB, we calculated how much fixed costs of collection and distribution of DHM can be reduced, by increasing the volume of milk collected. To the best of our knowledge, this is the first complete cost analysis for an Italian Milk Bank. A thorough analysis could help to abate fixed costs and reduce the cost of a liter of DHM. The centralization of DHM can allow savings, rather than creating small HMBs scattered throughout the territory that would operate with lower milk volumes.
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Zurru, Marco. "Senza credito." Cambio. Rivista sulle Trasformazioni Sociali 12, no. 23 (December 6, 2022). http://dx.doi.org/10.36253/cambio-12982.
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Since the 1990s, Italy has undertaken the most intense and prolonged transformation of its intermediation system in Europe. What has proved to be a real upheaval in ownership structures has led to the 'disappearance' of the banking system in the southern regions and the transfer of the 'thinking head' to the central north. This did not happen as a result of market dynamics but thanks to a plan conceived and guided by the Bank of Italy, with the aim of 'saving' the southern banks, increasing their allocation efficiency, management performance and profitability.
Thirty years after the beginning of the restructuring process, the data used in this work show that the performance gaps between macro-areas have remained substantially unchanged, to the detriment of households and the productive fabric of the southern regions, which - in fact - continue to suffer from lower credit, with higher costs than those of the central and northern regions, which interface with banks that have their local headquarters in the same areas, enjoying the relative benefits.
Dissertations / Theses on the topic "Savings banks – Italy"
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BUTZBACH, Olivier. "Varieties within capitalism?: the modernization of French and Italian saving banks, 1980-2000 y Olivier Butzbach." Doctoral thesis, 2005. http://hdl.handle.net/1814/5231.
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Defence date: 28 November 2005Examining board: Prof. Colin Crouch (University of Warwick) ; Prof. Richard Deeg (Temple University, Philadelphia) ; Prof. Adriano Giannola (University Federico II, Naples) ; Prof. Martin Rhodes (European University Institute)(Supervisor)
PDF of thesis uploaded from the Library digitised archive of EUI PhD theses completed between 2013 and 2017
Books on the topic "Savings banks – Italy"
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Balzani, Roberto. Il forziere della città: La Cassa dei risparmi e la società forlivese dalle origini al secondo dopoguerra. Bologna: Il Mulino, 2000.
Find full textBook chapters on the topic "Savings banks – Italy"
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Bulfone, Fabio, and Donato Di Carlo. "Privatization, Crisis, and the Transformation of Cassa Depositi e Prestiti." In The Reinvention of Development Banking in the European Union, 144–71. Oxford University Press, 2021. http://dx.doi.org/10.1093/oso/9780198859703.003.0006.
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This chapter explores the transformation of Cassa Depositi e Prestiti (CDP) from a small Directorate-General within the Treasury to a full-fledged National Development Bank charged with channeling credit toward small firms and Mid-Caps, financing infrastructural projects, providing patient liquidity to the Treasury and equity investment to strategic firms. After a brief historical excursus, the chapter focuses in particular on two watershed moments in the history of CDP: the privatization in 2003 and the sovereign debt crisis. Both junctures paved the way to a substantial expansion and diversification of CDP’s activities in support of the Italian economy. Italy provides an ideal vantage point to explore the relationship between NDBs and their sovereigns due to the unique mismatch between the financial strength of CDP, funded by postal savings, and the financial needs of the cash-stripped Italian sovereign, burdened by an enormous public debt.