financial institutions. First, we establish that age, gender, and education jointly affect the variability of bank performance …

Banking crises are recurrent phenomena, often induced by ex-ante excessive bank risk-taking, which may be due to … behavioral reasons (over-optimistic banks neglecting risks) and to agency problems between bank shareholders with debt … related to bank insiders' sale of their own bank shares in the period prior to 2006:Q2 (the peak and reversal in real estate …