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Risk Culture in Banking

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  • © 2017

Overview

Authors:
  1. Alessandro Carretta

    1. University of Rome Tor Vergata, Rome, Italy

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  2. Franco Fiordelisi

    1. University of Rome III, Rome, Italy

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  3. Paola Schwizer

    1. University of Parma, Parma, Italy

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  • Explores the importance of risk culture in ensuring financial stability
  • Analyses how to measure risk culture
  • Proposes measures to promote a healthy risk culture
  • Contributes to the discussion on banking regulation
  • Includes supplementary material: sn.pub/extras
  • Includes supplementary material: sn.pub/extras

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Table of contents (18 chapters)

  1. Front Matter

    Pages i-xxix
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  2. Introduction

    • Alessandro Carretta, Franco Fiordelisi, Paola Schwizer
    Pages 1-8

  3. General View: Theory & Tools

    1. Front Matter

      Pages 9-9
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    2. Risk Culture

      • Alessandro Carretta, Paola Schwizer
      Pages 11-30

    3. Risk Culture in Different Bank Businesses

      • Marco Di Antonio
      Pages 31-71

    4. Risk Culture in the Regulation and Supervision Framework

      • Alessandro Carretta, Paola Schwizer
      Pages 73-96

    5. Internal Controls and Risk Culture in Banks

      • Doriana Cucinelli
      Pages 97-123

    6. People First: Risk Culture Swings into Action

      • Daniele A. Previati
      Pages 125-154

    7. Measuring and Assessing Risk Culture

      • Nicola Bianchi, Franco Fiordelisi
      Pages 155-176

    8. The Impact of Risk Culture on Bank Reputation

      • Giampaolo Gabbi, Mattia Pianorsi, Maria Gaia Soana
      Pages 177-194

    9. Watchdog or Pet Dog: What Is the Role of Media in Shaping Banks’ Risk Culture?

      • Vincenzo Farina, Lucrezia Fattobene, Elvira Anna Graziano
      Pages 195-211

  4. Good practices, Experiences, Field & Empirical Studies

    1. Front Matter

      Pages 213-213
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    2. Influence of National Culture on Bank Risk-taking in the European System

      • Candida Bussoli
      Pages 215-239

    3. Risk-Taking of the European Banks in CEECs: The Role of National Culture and Stake Vs Shareholder View

      • Federica Sist, Panu Kalmi
      Pages 241-257

    4. Banks’ Risk Culture in Residential Mortgage and Cross-Selling Policies: Evidence from the Euro Area

      • Umberto Filotto, Claudio Giannotti, Gianluca Mattarocci, Xenia Scimone
      Pages 259-283

    5. Supporting an Effective Risk Culture in Private Banking/Wealth Management

      • Paola Musile Tanzi
      Pages 285-306

    6. Attitude Toward Risk and Financial Literacy in Investment Planning

      • Gianni Nicolini, Tommy Gärling, Anders Carlander, Jeanette Carlsson Hauff
      Pages 307-320

    7. Bank Credit Risk Management and Risk Culture

      • Doriana Cucinelli, Arturo Patarnello
      Pages 321-348

    8. Credit Rating Culture

      • Giacomo De Laurentis
      Pages 349-386

    9. Accounting Conservatism and Risk Culture

      • Alessandro Mechelli, Riccardo Cimini
      Pages 387-401
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Keywords

About this book

This book explores risk culture in banks following the financial crisis. It analyses the role of national and institutional risk culture, market competitiveness, organisational systems and institutional practices that led to a weakening of risk culture in financial institutions leading up to the financial crisis. It addresses how to assess and measure risk culture, and analyse the impact on performance and reputation. Finally it explores the impact of regulation and a variety of tools that can be applied from the board down to promote a healthy risk culture in the governance of financial institutions internal controls and risk culture in banks.

Authors and Affiliations

  • University of Rome Tor Vergata, Rome, Italy

    Alessandro Carretta

  • University of Rome III, Rome, Italy

    Franco Fiordelisi

  • University of Parma, Parma, Italy

    Paola Schwizer

About the authors

Alessandro Carretta is a Full Professor of Economics and Management of Financial Intermediation at the University of Rome Tor Vergata, Italy. He has been teaching banking and finance for more than 35 years, formerly at the Universities of Urbino, Lecce and Milan Bocconi, Italy. His main research interests relate to banking management, focusing on banking groups and diversification, regulation and control, corporate governance, and culture and organizational change in banks.

Franco Fiordelisi holds a chair in Banking and Finance at the University of Rome III, Italy. He is also a part-time Professor of Finance at Middlesex Business School in London, UK, and senior affiliated Faculty Member at the Bocconi Business School in Milan, Italy. Franco’s work has been published in international academic journals such as the Journal of Financial and Quantitative Analysis, Review of Finance, Journal of Corporate Finance, and Journal of Banking and Finance. He is currently associate editor of the European Journal of Finance.

Paola Schwizer is a Full Professor of Financial Markets and Institutions at the University of Parma, Italy, where she teaches risk management and value creation in banks and financial markets and institutions. She is Professor at the SDA Bocconi School of Management, Italy, and President of Nedcommunity, the Italian Association of non-executive and independent directors and a member of the board of directors of ecoDa, the European Confederation of Directors' Associations in Brussels, Belgium. Paola is also a member of the editorial board of the Journal of Management and Governance.

Bibliographic Information

  • Book Title: Risk Culture in Banking

  • Authors: Alessandro Carretta, Franco Fiordelisi, Paola Schwizer

  • Series Title: Palgrave Macmillan Studies in Banking and Financial Institutions

  • DOI: https://doi.org/10.1007/978-3-319-57592-6

  • Publisher: Palgrave Macmillan Cham

  • eBook Packages: Economics and Finance, Economics and Finance (R0)

  • Copyright Information: The Editor(s) (if applicable) and The Author(s) 2017

  • Hardcover ISBN: 978-3-319-57591-9Published: 23 October 2017

  • Softcover ISBN: 978-3-319-86203-3Published: 23 August 2018

  • eBook ISBN: 978-3-319-57592-6Published: 11 October 2017

  • Series ISSN: 2523-336X

  • Series E-ISSN: 2523-3378

  • Edition Number: 1

  • Number of Pages: XXIX, 436

  • Number of Illustrations: 47 b/w illustrations

  • Topics: Banking

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