Overall, household debt levels have risen sharply over the past decades in EU Member States. While certain levels of household debts can be beneficial, they can become problematic especially with a sudden, unexpected decrease of incomes or increase of expenditures. The current financial crisis
Building societies are mutual organisations in the UK, which are owned by their members. The building society sector has changed considerably since the first building societies were founded in the 18th century as ‘terminating’ societies – organisations designed to be wound up once all their members
Generali is one of the most significant players in the global insurance market, with 60 million clients worldwide. Generali is the third-largest insurance group in Europe after Axa and Allianz. Present in 65 countries, the group is the market leader in Italy and it has significant positions in
This project was conducted by means of five case studies, and an online survey and interviews with experts from companies, research institutions and public authorities. The survey and interviews were vital in order to hear different opinions about changes in the financial sector resulting from the
This report focuses on how Dexia Bank Belgium has responded to the considerable challenges resulting from the financial and economic crisis, and how the transformation of its workforce has been managed under these circumstances. It specifically emphasises the role of the social partner organisations
This report examines the extent of the phenomenon of the posting of workers, the roles played both by European and national-level legislation in determining the employment and working conditions of posted workers and the roles played by legislation and collective bargaining – and how these two
This case study demonstrates how Danske Bank, one of the largest banks in northern Europe, has dealt with the impact of the financial crisis. It also shows how it has coped with longer term restructuring requirements arising from rapid expansion and internationalisation of the bank, the integration
Urban populations have become increasingly heterogeneous in ethnic, cultural and religious terms. These multi-ethnic, multicultural and multi-religious structures challenge the ability of municipalities to establish or maintain peaceful relations among the different segments of the population. The
Urban populations have become increasingly heterogeneous in ethnic, cultural and religious terms. These multi-ethnic, multicultural and multi-religious structures challenge the ability of municipalities to establish or maintain peaceful relations among the different segments of the population. The
Urban populations have become increasingly heterogeneous in ethnic, cultural and religious terms. These multi-ethnic, multicultural and multi-religious structures challenge the ability of municipalities to establish or maintain peaceful relations among the different segments of the population. The