This book introduces the fundamentals of retail credit risk management, provides a broad and applied investigation of the related modeling theory and methods, and explores the interconnections of risk management with other firm operations and industry regulation. The focus on retail (private individuals and small-medium enterprises) and the constant reference to the implications of the financial crisis for credit risk management, make the book distinctive.

Does IT spending really boost bank performance? It is widely accepted that technological developments have had a major impact on reshaping both front- and back-office operations, but there still remains some doubt as to whether the massive spending on IT by banks has improved performance or productivity in this sector. Elena Beccalli provides a useful insight into the effects of IT investments on European bank performance, drawing on new empirical evidence that academics, bankers, and IT consultants alike will find to be a fascinating contribution to this ongoing strategic debate.

This book provides a detailed insight into the role of IT in European banking and investigates whether IT investments in hardware, software and other IT services have influenced bank performance. It considers the central question of whether or not the massive spending on IT by banks has improved their performance or productivity

Introducing the fundamentals of retail credit risk management, this book provides a broad and applied investigation of the related modeling theory and methods, and explores the interconnections of risk management, by focusing on retail and the constant reference to the implications of the financial crisis for credit risk management.