The purpose of this paper is to analyze the vertical disintegration of the bank loan origination value chain. This paper conducts a study on the credit information market from the perspective of the bank's decision to vertically disintegrate the loan origination value chain. The main aim is to...

The paper provides a theoretical analysis of the interest rate risk in banking through a systemic approach that is known in literature as “asset & liability management” approach.The paper provides also an empirical investigation on the exposure of banks to interest rate risk, using three...

The interest rate risk is the degree of exposure of a bank's financial condition to adverse movements in interest rates. Changes in interest rates affect a bank's earnings by changing its net interest income and the level of other interest-sensitive income and operating expenses. Changes in...

The paper evaluates the impact of the new bank capital adequacy framework on the bank lending business model. Particularly, the first section compares the standardized approach with the internal rating based approach. The second section analyses the impact of the rating quantification and rating...

The paper examines the diffusion of information technology in the economics of Italian banks. The wide spread of information and communication technology is improving banking and financial services delivery to customers. Particularly, the paper adopts a knowledge management perspective to...

The gradual changes of the international and national financial system has increased risks that banks have to face and has required stronger and more accurate instruments to monitor, to measure and to manage credit risks. The Basel Committee on Banking Supervision has developed a new framework...

The paper aims to investigate some significant critical issues of the national and international regulation of bank interest rate risk. Particularly, the paper examines the link between internal models and standardized models used by banks to provide financial information to banking authorities...

Interest rate risk is the exposure of a bank's financial condition to adverse movements in interest rates. Changes in interest rates affect a bank's earnings by changing its net interest income and also affect the underlying value of the bank's assets, liabilities and off-balance sheet...

The paper aims to identify some case history (Bank Dagang Bali, Bank Rakyat Indonesia, Badan Kredit Desa, Grameen Bank in Bangladesh) to better understand the financial sustainability of microfinance projects. Microfinance has evolved as an economic development approach intended to benefit...

The paper aims to evaluate the role of the financial communication instruments in the economics of banking firms. The central question in my paper is to identify the relevant drivers of the value creation in the corporate communication processes