Basel II Framework brings important changes, since life insurance and surety policy are “eligible” guarantees for Credit Risk Mitigation. Nevertheless, banks could offer a better pricing to borrowers not because they are less risky, but because the whole operation would need a lower capital...

The financial crisis has affected all aspects of the global economy and has certainly exacerbated the social and economic conditions that young people are experiencing in many European countries. The lack of job opportunities and employment services, the temporary nature of work, the absence of...

The paper analyzes Information Technology (IT) governance disclosure on a sample of the major 20 EU banks (from Italy, Germany, France and Spain) to observe if, how and where banks report on their IT governance issues. Since IT governance (like other aspects of banking business) can be...