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

are required to purchase a distressed bank because of political factors (the government’s role), their performances are at …

designing a relationship-lending model in which a bank operates as a financial intermediary and centralised monitor. In the … absence of deposit insurance, the bank’s limited liability option creates an incentive problem between the bank and its …, the bank must signal its safety to depositors by maintaining the equity ratio held. The optimal equity ratio is dynamic …

cyclical behaviour of European bank capital buffers. After controlling for other potential de-terminants of bank capital, we … taking place each year. We further distinguish by type and size of bank, and find that capital buffers of commercial and …

of Basel II on the efficiency of bank lending. We consider competitive credit markets where entrepreneurs may apply for … the cyclicality of bank lending over the business cycle. …

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 …

, as well as an enhanced framework for bank regulation, supervision, and resolution that could mitigate the need to change …