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Intermediation Model, Bank Size and Lending to Customers: Is There a Significant Relationship? Evidence from Italy: 2008–2011

  • Franco Tutino
  • Concetta Colasimone
  • Giorgio Carlo Brugnoni
  • Luca Riccetti
Part of the Palgrave Macmillan Studies in Banking and Financial Institutions book series (SBFI)

Abstract

The global financial crisis started in 2007, the economic downturn which followed and, the effects of the sovereign debt crisis, caused a relevant slowdown in banks’ lending in Italy. As reported by the Bank of Italy (2008, 2009, 2010, 2011) banks’ lending to customers slowed down consistently between 2008 and 2011, in spite of a slight recovery registered in 2010. Although basically widespread, this phenomenon was more intense for the larger banks than for the smaller ones, mainly reflecting different funding constraints. In particular, large intermediaries generally faced more difficulties in wholesale funding on the interbank market, especially after the start of the global financial crisis in 2007 (Bank of Italy, 2008) and cause of the effects of the sovereign debt crisis (Bank of Italy, 2011; Albertazzi et al., 2012).

Keywords

Total Asset Intermediation Model Small Bank Operating Income Bank Size 
These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.

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Copyright information

© Franco Tutino, Concetta Colasimone, Giorgio Carlo Brugnoni and Luca Riccetti 2014

Authors and Affiliations

  • Franco Tutino
  • Concetta Colasimone
  • Giorgio Carlo Brugnoni
  • Luca Riccetti

There are no affiliations available

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