The objectives of the course can be summarized in the following:
a) Analyze the impact of the COVID-19 pandemic crisis on the stability of the financial system and the banking system;
b) Highlight the changes occurred in the area Euro banking sector in recent years;
c) Explain the organizational models adopted by banks in the main areas of business: private, retail and corporate banking;
d) Analyze the evolution of the strategic orientation and the correlated needs of redefinition of the European Banks business models;
e) Highlights the potential impact that Fintech can produce on banking business models.
The main topics of the course are the following:
- Banking business models: an introduction;
- The COVID-19 pandemic crisis: macro-financial implications and effects on the area Euro banking system;
- The Euro area banking system: market structure, banking sector capacity, balance sheet structure, financial performance, capital and leverage;
- The Italian banking system: structure, balance sheet composition, capital and financial performance;
- The development of the originate and distribute model (OTD);
- Strategies and organizational structures of financial institutions: retail, private and corporate banking;
- Banking business models in Europe;
- Institutional models of Italian banks: universal banks vs banking group;
- Federal, divisional and specialized corporation models in the Italian banking system;
- The changing nature of the financial sector and the financial conglomerates;
- Fintech and the banking system: competion or collaboration?
The course includes the study of pdf slide. Readings also include:
a) Mottura P., Banche. Strategie, organizzazione e concentrazioni, ed. Egea, 2011. Chapters 4, 5, 6, 7, 8;
b) European Central Bank, Financial Stability Review, may 2020;
The course employs two main teaching tools:
1) Standard lectures;
The way of verifying learning is oral. The exam is aimed at evaluating the entire spectrum of skills acquired by students during the course, in relation to the macro-objectives that the teaching intends to pursue. Particular attention is paid to verifying the ability to read, analyze and interpret the organizational models of banking companies, both from an institutional and operational point of view.
The slides presented in class are made available to students in the e-learning section of the University Moodle Platform relating to the course.