The 5th joint SUERF/Bank of Finland joint conference was held in Helsinki on 13 June 2013. The general theme of the …

-liability maturity mismatch. This paper proposes a new way to derive a bank’s interest rate sensitivity, by examining separately the … of a potential loan generally increases. Hence a bank’s lending slack (ratio of loans-in-process to loans-in-place) will … parameters on bank credit availability. Empirical tests with quarterly data are generally supportive of these predictions. …

The impact of cross-border bank M&As on bank risk remains an open question. Though geographically diversifying bank M …&As have the potential to reduce the risk of bank insolvency, they also have the potential to increase that risk due to the … increase in risk-taking incentives for bank managers and stockholders following these transactions. This paper empirically …

institutions on bank risk-taking behaviour. This paper examines a wide array of institutional reforms in respect of law and legal … effects of institutional reforms on bank risk are more pronounced for domestic banks than foreign banks. From the policy …

We study the effects on credit allocation and bank stability of introducing a leverage ratio requirement (LRR) on top … current 3% LRR might even reduce bank stability, counter to regulatory intentions. This is because the allocational effect … caused by the LRR, which makes bank loan portfolios more alike, may turn beneficial risk spreading into harmful risk …