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

In this paper, by employing a novel approach, we study the relationship between bank type and small-business lending in … a post-transition country. Using a unique dataset on bank branches and firm-level data, we find that local cooperative … domestic banks. Our results are important from a policy perspective, as they show that foreign bank entry and industry …

Consider a competitive bank whose illiquid asset portfolio is funded by short-term debt that has to be refinanced … of social externalities of bank failures further lowers the optimal level of transparency. Moreover, asset risk taking …

disciplining banks. Under our proposal, investors buy the subdebt of a bank only if they receive favourable information about the … bank, and the bank is subject to a regulatory examination if it fails to issue subdebt. By forcing banks to be examined …-destroying actions to benefit themselves, but may also encourage banks to lower asset risk. It shows that subdebt regulation and bank …

relationship between retail payment business and overall bank performance. Using data from across 27 European markets over the … period 2000–2007, we analyse whether the provisions of retail payment services are reflected in improved bank performance … adoption of retail payment transaction technologies. Retail payment transaction technology can itself also improve bank …

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

bank suffices for unexpected losses with a 95%-99% probability. This translates into an expected bank failure rate as high … as once in twenty years. Even if the bank's interest income is incorporated into our model, the expected failure rate is …