RobertoBottiglia is full professor in Banking andFinance at the University of Verona, Italy, where he teaches Economics ofBanking. He graduated in Business Administration from Bocconi University,Milan, Italy. His research interests include financial marketing, IT inbanking, the structure of financial systems and the crisis of major bankinggroups in Europe and the USA. He recently edited The Crisis of Large Banking Groups: SystemicDimensions and Business Issues.Flavio Pichler is Associate Professor in Banking and Finance at the University ofVerona, Italy, where he teaches on Financial Markets and Institutions,Economics of Insurance and Corporate Finance courses. He graduated in Economicsfrom the University of Verona and received a Ph.D. in Business Administrationfrom Ca’ Foscari University of Venice, Italy. His research interests includeregulation and supervision of financial systems, economics of insurance andbanking and risk management.