Pier Carlo Padoan, Italy's finance minister, listens to a speaker during an event to mark World Savings Day at the Italian Banking Association (ACRI) in Rome, Italy, on Friday, Oct. 31, 2014. Banca Monte dei Paschi di Siena SpA's and Banca Carige SpA's past bad management led to the capital shortfalls evidenced by the European Central Bank's review of lenders, Visco said. Photographer: Alessia Pierdomenico/Bloomberg via Getty Images
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