On the possible tools for the prevention of non-performing loans. A case study of an Italian bank

This work analyses the contribution of an Information Systems (IS) to the implementation of credit monitoring as a new integrated process to prevent non-performing loans in a small bank. The study focuses on the process of active monitoring of the entire credit portfolio, aimed at guiding the best migration between risk classes. This is understood as a set of integrated activities, in which the quality of information becomes a major determinant of the outcome. Such tools support risk management in the decision-making process and aiding performance evaluation. The purpose of this work is to highlight the possibility of an IS to support this new integrated process of credit monitoring, providing increasingly reliable data, availability on demand and real-time information

Spain and the crisis: housing prices, credit, and macroprudential policies

In this paper, we propose a two-country, two sector monetary union DSGE model with housing. One of the countries is calibrated to represent the Spanish economy while the other one is the rest of the European monetary union. First, we illustrate how looser credit conditions coming from the Euro area, together with increases in housing demand, lead to an increase in house prices and credit in Spain. Then, we analyze to what extent, macroprudential policies could have avoided the excess in credit that triggered the financial crisis in Spain. We find that a countercyclical loan-to-value rule that mainly responds to house prices would have mitigated the credit boom in Spain. These results can also be applied to other countries facing similar problems in the housing sector and thinking about implementing macroprudential policies

Phenol compounds as new materials for Electron Paramagnetic Resonance dosimetry in clinical photon and electron beams,

In the last decades several research laboratories have shown an increasing interest aimed at extending the applicability of Electron Paramagnetic Resonance (EPR) dosimetry to radiotherapy with different types of radiation beams. EPR is a spectroscopic method for investigating the structure and dynamics of such paramagnetic species. Free radicals are known to be produced when a compound is irradiated with ionizing radiations. The concentration of radiation-induced free radicals is proportional to the energy released inside in the medium and this allows for dosimetric measurements through EPR technique. The use of alanine as a dosimetric material gave the possibility to apply EPR spectroscopy for high-dose standardization and dose control in radiation processing (Marrale 2016). The EPR dosimetric method has many advantages such as simple and rapid dose evaluation, the readout procedure is non-destructive, linear response of many organic and inorganic compounds. EPR detectors show a behavior that suggest possible applications for various kinds of beams used for radiation therapy. Nowadays, the most widely used organic compound as a dosimeter is the alanine. However, many researches are in progress with the aim at improving sensitivity of EPR dosimetry for doses much smaller than 1 Gy. More sensitive materials than alanine are needed to make the EPR dosimeter competitive with other dosimetry systems. Our research group has started an investigation of the EPR response of some phenols compounds for possible EPR dosimetric applications suitable features, such as high efficiency of radiation-matter energy transfer and radical stability at room temperature. Phenols are compounds possessing a benzene ring attached to a OH group. After irradiation the final product is a stable phenoxy radical. The stability of such radical can be improved by adding other alkyl chains which can be attached to the benzene ring. The phenol octadecyl-3-(3,5-di-tert.butyl-4-hydroxyphenyl)-propionate gave interesting results. Moreover, its high molecular weight, the low volatility and the compatibility with the dosimeter binding material (wax) are advantages with respect to lower molecular weight phenols. In this work we report the EPR investigation of phenols exposed to clinical photon and electron beams (Gallo, 2016). The dosimetric features of these EPR dosimeters (dependence on microwave power and modulation amplitude, their response after gamma and electron irradiations, dependence on beam type and energy, the detection limits for both beam typologies, signal stability after irradiation) were investigated and the results are reported

The first 110,593 COVID-19 patients hospitalised in Lombardy: a regionwide analysis of case characteristics, risk factors and clinical outcomes

Objectives: To describe the monthly distribution of COVID-19 hospitalisations, deaths and case-fatality rates (CFR) in Lombardy (Italy) throughout 2020. Methods: We analysed de-identified hospitalisation data comprising all COVID-19-related admissions from 1 February 2020 to 31 December 2020. The overall survival (OS) from time of first hospitalisation was estimated using the Kaplan-Meier method. We estimated monthly CFRs and performed Cox regression models to measure the effects of potential predictors on OS. Results: Hospitalisation and death peaks occurred in March and November 2020. Patients aged ≥70 years had an up to 180 times higher risk of dying compared to younger patients [70–80: HR 58.10 (39.14–86.22); 80–90: 106.68 (71.01–160.27); ≥90: 180.96 (118.80–275.64)]. Risk of death was higher in patients with one or more comorbidities [1: HR 1.27 (95% CI 1.20–1.35); 2: 1.44 (1.33–1.55); ≥3: 1.73 (1.58–1.90)] and in those with specific conditions (hypertension, diabetes). Conclusion: Our data sheds light on the Italian pandemic scenario, uncovering mechanisms and gaps at regional health system level and, on a larger scale, adding to the body of knowledge needed to inform effective health service planning, delivery, and preparedness in times of crisis

Endocrine system dysfunction and chronic heart failure: a clinical perspective

Chronic heart failure (CHF) leads to an excess of urgent ambulatory visits, recurrent hospital admissions, morbidity, and mortality regardless of medical and non-medical management of the disease. This excess of risk may be attributable, at least in part, to comorbid conditions influencing the development and progression of CHF. In this perspective, the authors examined and described the most common endocrine disorders observed in patients with CHF, particularly in individuals with reduced ejection fraction, aiming to qualify the risks, quantify the epidemiological burden and discuss about the potential role of endocrine treatment. Thyroid dysfunction is commonly observed in patients with CHF, and sometimes it could be the consequence of certain medications (e.g., amiodarone). Male and female hypogonadism may also coexist in this clinical context, contributing to deteriorating the prognosis of these patients. Furthermore, growth hormone deficiency may affect the development of adult myocardium and predispose to CHF. Limited recommendation suggests to screen endocrine disorders in CHF patients, but it could be interesting to evaluate possible endocrine dysfunction in this setting, especially when a high suspicion coexists. Data referring to long-term safety and effectiveness of endocrine treatments in patients with CHF are limited, and their impact on several “hard” endpoints (such as hospital admission, all-cause, and cardiovascular mortality) are still poorly understood

HindIII(+/−) Polymorphism of the Y Chromosome, Blood Pressure, and Serum Lipids: No Evidence of Association in Three White Populations

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Flotation Sludges from Precious Metal Recovery Processes: From Waste to Secondary Raw Material in Ceramics

In this study, we investigated flotation muds (FM) deriving from the recovery processes of precious metals contained in e-waste (wastes from electronics) and exhausted catalysts. FM consist of an amorphous phase, corresponding to a Ca- and Al-rich silicatic glass, potentially usable as a secondary raw material (SRM) to obtain a final ceramic product (CFM). A high FM amount was used in our ceramic tests, and suitably mixed with variable percentages of other phases. Chemical analysis, phase composition, microstructure, pore pattern and technological properties of the new ceramic products were determined using different analytical techniques, including bulk XRF, XRD, SEM-EDS and µCT. The CFM product predominantly consists of nepheline, pyroxene and wollastonite as the main crystalline phases, with a minor amorphous phase occurring as a compact interstitial matrix. The ceramic product has a porous interconnected microstructure. Nevertheless, this microstructure does not negatively affect the mechanical properties of the ceramic product, as testified by the geo-mechanical tests, revealing good properties in terms of bending and uniaxial strength. These preliminary results point out that FM recycling is feasible, at least at the laboratory scale

Age- and sex-related variations in platelet count in Italy: a proposal of reference ranges based on 40987 subjects' data

BACKGROUND AND OBJECTIVES: Although several studies demonstrated that platelet count is higher in women, decreases with age, and is influenced by genetic background, most clinical laboratories still use the reference interval 150-400×10(9) platelets/L for all subjects. The present study was to identify age- and sex-specific reference intervals for platelet count. METHODS: We analysed electronic records of subjects enrolled in three population-based studies that investigated inhabitants of seven Italian areas including six geographic isolates. After exclusion of patients with malignancies, liver diseases, or inherited thrombocytopenias, which could affect platelet count, reference intervals were estimated from 40,987 subjects with the non parametric method computing the 2.5° and 97.5° percentiles. RESULTS: Platelet count was similar in men and women until the age of 14, but subsequently women had steadily more platelets than men. The number of platelets decreases quickly in childhood, stabilizes in adulthood, and further decreases in oldness. The final result of this phenomenon is that platelet count in old age was reduced by 35% in men and by 25% in women compared with early infancy. Based on these findings, we estimated reference intervals for platelet count ×10(9)/L in children (176-452), adult men (141-362), adult women (156-405), old men (122-350) and, old women (140-379). Moreover, we calculated an extended reference interval that takes into account the differences in platelet count observed in different geographic areas. CONCLUSIONS: The age-, sex-, and origin-related variability of platelet count is very wide, and the patient-adapted reference intervals we propose change the thresholds for diagnosing both thrombocytopenia and thrombocytosis in Italy