Bank Consolidation, Efficiency, and Profitability in Italy

Β· International Monetary Fund
Π•Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½Π° ΠΊΠ½ΠΈΠ³Π°
25
Π‘Ρ‚Ρ€Π°Π½ΠΈΡ†ΠΈ
ΠžΡ†Π΅Π½ΠΊΠΈΡ‚Π΅ ΠΈ ΠΎΡ‚Π·ΠΈΠ²ΠΈΡ‚Π΅ Π½Π΅ са ΠΏΠΎΡ‚Π²ΡŠΡ€Π΄Π΅Π½ΠΈ  НаучСтС ΠΏΠΎΠ²Π΅Ρ‡Π΅

Всичко Π·Π° Ρ‚Π°Π·ΠΈ Π΅Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½Π° ΠΊΠ½ΠΈΠ³Π°

This paper examines the case for efficiency-driven banking sector consolidation in Italy, evaluates its potential effects on profitability, and discusses policy options to facilitate a consolidation process that is as effective as possible. A bottom-up analysis of 386 Italian banks suggests that while profitability is expected to improve as the economy gradually recovers, operational efficiency gains are nonetheless needed to restore large parts of the banking system to healthy profitability. Banking system consolidation can play a role in facilitating such efficiency gains, but its effectiveness is likely to be most as part of a comprehensive strategy that includes complementary reforms to clean up bank balance sheets. Cross-country experience indicates that efficiency gains are more likely to follow consolidations where careful viability analyses are conducted of the synergies and operational improvements that can be achieved.

ΠžΡ†Π΅Π½Π΅Ρ‚Π΅ Ρ‚Π°Π·ΠΈ Π΅Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½Π° ΠΊΠ½ΠΈΠ³Π°

ΠšΠ°ΠΆΠ΅Ρ‚Π΅ Π½ΠΈ ΠΊΠ°ΠΊΠ²ΠΎ мислитС.

Π˜Π½Ρ„ΠΎΡ€ΠΌΠ°Ρ†ΠΈΡ Π·Π° Ρ‡Π΅Ρ‚Π΅Π½Π΅Ρ‚ΠΎ

Π‘ΠΌΠ°Ρ€Ρ‚Ρ„ΠΎΠ½ΠΈ ΠΈ Ρ‚Π°Π±Π»Π΅Ρ‚ΠΈ
Π˜Π½ΡΡ‚Π°Π»ΠΈΡ€Π°ΠΉΡ‚Π΅ ΠΏΡ€ΠΈΠ»ΠΎΠΆΠ΅Π½ΠΈΠ΅Ρ‚ΠΎ Google Play Книги Π·Π° Android ΠΈ iPad/iPhone. Π’ΠΎ Π°Π²Ρ‚ΠΎΠΌΠ°Ρ‚ΠΈΡ‡Π½ΠΎ сС синхронизира с ΠΏΡ€ΠΎΡ„ΠΈΠ»Π° Π²ΠΈ ΠΈ Π²ΠΈ позволява Π΄Π° Ρ‡Π΅Ρ‚Π΅Ρ‚Π΅ ΠΎΠ½Π»Π°ΠΉΠ½ ΠΈΠ»ΠΈ ΠΎΡ„Π»Π°ΠΉΠ½, ΠΊΡŠΠ΄Π΅Ρ‚ΠΎ ΠΈ Π΄Π° стС.
Π›Π°ΠΏΡ‚ΠΎΠΏΠΈ ΠΈ ΠΊΠΎΠΌΠΏΡŽΡ‚Ρ€ΠΈ
ΠœΠΎΠΆΠ΅Ρ‚Π΅ Π΄Π° ΡΠ»ΡƒΡˆΠ°Ρ‚Π΅ Π·Π°ΠΊΡƒΠΏΠ΅Π½ΠΈΡ‚Π΅ ΠΎΡ‚ Google Play Π°ΡƒΠ΄ΠΈΠΎΠΊΠ½ΠΈΠ³ΠΈ посрСдством ΡƒΠ΅Π± Π±Ρ€Π°ΡƒΠ·ΡŠΡ€Π° Π½Π° ΠΊΠΎΠΌΠΏΡŽΡ‚ΡŠΡ€Π° си.
Π•Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½ΠΈ Ρ‡Π΅Ρ‚Ρ†ΠΈ ΠΈ Π΄Ρ€ΡƒΠ³ΠΈ устройства
Π—Π° Π΄Π° Ρ‡Π΅Ρ‚Π΅Ρ‚Π΅ Π½Π° устройства с Π΅Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½ΠΎ мастило, ΠΊΠ°Ρ‚ΠΎ Π½Π°ΠΏΡ€ΠΈΠΌΠ΅Ρ€ Π΅Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½ΠΈΡ‚Π΅ Ρ‡Π΅Ρ‚Ρ†ΠΈ ΠΎΡ‚ Kobo, трябва Π΄Π° ΠΈΠ·Ρ‚Π΅Π³Π»ΠΈΡ‚Π΅ Ρ„Π°ΠΉΠ» ΠΈ Π΄Π° Π³ΠΎ ΠΏΡ€Π΅Ρ…Π²ΡŠΡ€Π»ΠΈΡ‚Π΅ Π½Π° устройството си. Π˜Π·ΠΏΡŠΠ»Π½Π΅Ρ‚Π΅ ΠΏΠΎΠ΄Ρ€ΠΎΠ±Π½ΠΈΡ‚Π΅ инструкции Π² ΠŸΠΎΠΌΠΎΡ‰Π½ΠΈΡ Ρ†Π΅Π½Ρ‚ΡŠΡ€, Π·Π° Π΄Π° ΠΏΡ€Π΅Ρ…Π²ΡŠΡ€Π»ΠΈΡ‚Π΅ Ρ„Π°ΠΉΠ»ΠΎΠ²Π΅Ρ‚Π΅ Π² ΠΏΠΎΠ΄Π΄ΡŠΡ€ΠΆΠ°Π½ΠΈΡ‚Π΅ Π΅Π»Π΅ΠΊΡ‚Ρ€ΠΎΠ½Π½ΠΈ Ρ‡Π΅Ρ‚Ρ†ΠΈ.

ΠžΡ‰Π΅ ΠΎΡ‚ Anke Weber

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