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

In: Empirical Studies on Economics of Innovation, Public Economics and Management

Author

Listed:
  • Franco Tutino

    (Sapienza University of Rome)

  • Giorgio Carlo Brugnoni

    (Sapienza University of Rome)

  • Concetta Colasimone

    (Sapienza University of Rome)

  • Luca Riccetti

    (Sapienza University of Rome)

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.

Suggested Citation

  • Franco Tutino & Giorgio Carlo Brugnoni & Concetta Colasimone & Luca Riccetti, 2017. "The Determinants of Lending to Customers: Evidence from Italy Between 2008 and 2012," Eurasian Studies in Business and Economics, in: Mehmet Huseyin Bilgin & Hakan Danis & Ender Demir & Ugur Can (ed.), Empirical Studies on Economics of Innovation, Public Economics and Management, pages 57-102, Springer.
    • Handle: RePEc:spr:eurchp:978-3-319-50164-2_4
    DOI: 10.1007/978-3-319-50164-2_4
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    Cited by:

    1. Luca Riccetti & Alberto Russo & Mauro Gallegati, 2022. "Firm–bank credit network, business cycle and macroprudential policy," Journal of Economic Interaction and Coordination, Springer;Society for Economic Science with Heterogeneous Interacting Agents, vol. 17(2), pages 475-499, April.
    2. Paola Leone & Pasqualina Porretta & Luca Riccetti, 2021. "European Significant Bank Stock Market Volatility: Is there a Bail-In Effect?," International Journal of Business and Management, Canadian Center of Science and Education, vol. 14(5), pages 1-32, July.

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