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Credit quality of Italian Mgcis: an empirical comparison with mutual banks

Author

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  • Enrica Bolognesi

    (Università di Udine)

  • Alberto Dreassi

    (Università di Udine)

Abstract

This paper investigates the portfolio quality of Italian supervised Mutual guarantee credit institutions in 2011-2012 by analysing the relationship between non-performing ratios, size, performance, regulatory capital and efficiency of intermediaries. We apply the same methodology to mutual banks to check for similarities. Our findings show a low risk-sensitivity in pricing guarantees and a positive relationship between economic unbalances and credit quality of Mgcis. Geographically, the non-performing credit is lower in the North-East for Mgcis while it is higher for banks in Southern Italy. Finally, Mgcis experience a lower non-performing credit than banks, except in North-West Italy, evidencing the potential delay in recognition of non-performing exposures

Suggested Citation

  • Enrica Bolognesi & Alberto Dreassi, 2014. "Credit quality of Italian Mgcis: an empirical comparison with mutual banks," BANCARIA, Bancaria Editrice, vol. 12, pages 25-46, December.
    • Handle: RePEc:ban:bancar:v:12:y:2014:m:december:p:25-46
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    More about this item

    JEL classification:

    • G01 - Financial Economics - - General - - - Financial Crises
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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