Eficiencia financiera de las entidades de crédito cooperativo en Italia, periodo 2012-2015

Abstract

Abstract: This work has measured the impact of the crisis upon financial efficiency and profitability for Italian cooperative banks and the measures, introduced by these banks, to mitigate this impact. An analysis has been made on the ratios of the whole BCC system and, particularly, of Credito Cooperativo dell'Adda e del Cremasco, displaying the trends of the ratios during the observed period. The supervisory authorities introduced laws and rules to guarantee a further solidity for the banking system: the Single Supervisory Mechanism has been one of the tools to share common rules at European level. European Central Bank's monetary policy was intended to safeguard financial stability and to prevent liquidity crisis. These rules influenced BCC's strategies, above all about the establishment of an effective internal control system and the starting of a reform process towards the single banking group for cooperative banks.