YENER ALTUNBAS Research Fellow, South Bank University, LondonGÖRAN BERGENDAHL Professor of Business Administration, Gothenburg UniversityPHILIP BOURKE Irish Banks' Professor, Banking and Finance, University College, DublinSANTIAGO CARBO Professor Titular, Department of Applied Economics, University of GranadaMARCEL R. CREEMERS Information Systems Management Professor, Vrije University, AmsterdamJOE FALZON Head of the Department of Banking and Finance, University of MaltaESTEBAN FERNÁNDEZ Professor of Business Administration, Oviedo UniversityRAY KINSELLA Professor of Banking and Financial Services, University of UlsterPIETER KLAASSEN Vice President, Credit Risk Modeling, ABN-AMRO Bank, N.V. AmsterdamTED LINDBLOM Professor and Director of Postgraduate Studies in Business Administration, University of GothenburgANDRÉ LUCAS Research Fellow, Department of Finance, Vrije University, AmsterdamPHILIP MOLYNEUX Professor, Banking and Finance and Director, Institute of European Finance, University of Wales, BangorELISABETTA MONTANARO Professor of Banking, University of SienaJOSE M. MONTÉS Assistant Professor, Business Administration, Oviedo UniversityFRANCISCO PÉREZ Professor of Economic Analysis, University of ValenciaJACK REVELL Professor Emeritus, University of WalesCLAUDIO SCALA Professor of Statistics, University of SienaRAY SHAW Director of Management Consultancy CompanyMARIO TONVERONACHI Professor of Monetary Economics, University ofSienaEMILI TORTOSA-AUSINA Teaching Assistant in EconomicsCAMILO J. VÁZQUES Professor of Business Administration, Oviedo UniversityJONATHAN WILLIAMS Lecturer in Banking and Finance, University of Wales, Bangor