Autore
Giordano, Domenico

Titolo
Le banche di credito cooperativo italiane fra le ragioni della 'Bank Union' e le esigenze del localismo
Periodico
Banca impresa società
Anno: 2025 - Volume: 44 - Fascicolo: 3 - Pagina iniziale: 455 - Pagina finale: 480

The introduction of the cooperative banking group into our legal system has led to a profound reorganization of the cooperative credit sector. In fact, one of the effects, produced by the reform, has been to polarize the B.C.C. around two large groups (ICCREA Banca and Cassa Centrale Banca) which, in the SSM system, are classified as significant banks, with the consequence that the stricter rules established by the so-called CRD package and the related implementing regulations must be applied to them and, in turn, to all the companies in the group. The consequence is that, even though the individual B.C.C. is naturally a small bank, in terms of territorial operations and the size of its collections and investments, due to its (mandatory) membership in a cooperative banking group, it ends up bearing the same costs as larger banks, whenever the group reaches the prescribed capital requirements. In this essay we will try to analyze the problem of costs resulting from the application of European banking regulations through different perspectives that could influence their reduction.



SICI: 1120-9453(2025)44:3<455:LBDCCI>2.0.ZU;2-1
Testo completo: https://www.rivisteweb.it/download/article/10.1435/117726
Testo completo alternativo: https://www.rivisteweb.it/doi/10.1435/117726

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