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N° 12 December 2023

N° 12 December 2023

The Italian demographic crisis in the European context: causes and possible solutions Salvatore Strozza J10, J11, J13 Over the last forty years, Italy has recorded, in addition to the aging and recent decrease in the population, a significant reduction in its young people ...

Banks and Sustainability for growth. Strategies, regulation and capitals Giovanni Sabatini G21, G28, Q56 All banks, of all sizes, are changing their goals and business models and modifying their processes and products to achieve sustainability and inclusion .....

European Taxonomy and Esg score: two sides of the same coin? A primer on the Italian case Mario La Torre, Alessia Palma, Riccardo Santamaria, Mavie Cardi G21, G28, Q54, Q56, Q58 This paper offers an initial assessment of the Italian banking sector’s alignment with the Eu Taxonomy Regulation. Our approach involves two aspects ...

MiCar: risks and opportunities for financial institutions providing crypto-asset services in the Eu Giuseppe D’agostino E26, G20 The new Eu regulation on crypto-asset markets (MiCar), which will be fully implemented as of the end of 2024, offers new opportunities for the financial se...

Interest rate risk on the securities portfolio: accounting rules and disclosure limits Lorenzo Faccincani, Michele Rutigliano G21, G28 The article examines the issue of valuation losses on debt securities held by banks that are valued in the financial statement at amortized cost and at fai...

Loan pricing Esg oriented and risk adjusted and Eba Guidelines. The Ics model and the challenges for banks Pasqualina Porretta, Elisa Bottoni, Ettore Maria Felici, Mauro Marsella, Giuseppe Rutigliani G21, G28, M14 The Eba’s Lom Guidelines, fully in force from 2024, create the need for banks to restructure the credit process: strategic planning, credit risk measuremen...

Artificial Intelligence, the general principles of lawfulness. What constraints in Aml applications? Fulvio Berghella G32, M15 Artificial Intelligence technologies enable improved forecasting, optimization of operations, allocation of resources, and personalization of services ...

The access to client financial data. What are the impacts of the Fida European proposal? Angela Maria Bracci, David Sabatini G21, G28, M14, O30 The proposal of the Fida regulation drawn up by the European Commission aims at creating favorable conditions for the innovation process in the Financial S...

Digital Finance: Eu policy and a glance at access to financial data Alexandra Maniati, Liga Semane G32, M15 With the Fida proposal (Financial Data Access Framework) the European Commission is moving to the next stage of data sharing - from Open Banking to Open Fi...