The chapter analyzes the role of the Information System (IS) in the Asset Quality Review process (AQR) for asset evaluation in a small Italian bank, whose main activity is credit intermediation. Information Technology (IT) is a critical component in creating value in the banking sector. It provides decision-makers with an efficient means of reporting information about risk, profitability and preceding conditions for a loan. The study focuses on the process of active monitoring of the entire credit portfolio, aimed at guiding the best migration between risk classes.
The Adequacy of Information Systems for Supporting the Asset Quality Review Process in Banks. Evidence from an Italian Case Study
BRUNO, ELENA;IACOVIELLO, GIUSEPPINA;
2016-01-01
Abstract
The chapter analyzes the role of the Information System (IS) in the Asset Quality Review process (AQR) for asset evaluation in a small Italian bank, whose main activity is credit intermediation. Information Technology (IT) is a critical component in creating value in the banking sector. It provides decision-makers with an efficient means of reporting information about risk, profitability and preceding conditions for a loan. The study focuses on the process of active monitoring of the entire credit portfolio, aimed at guiding the best migration between risk classes.File in questo prodotto:
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