IFTEKHAR HASAN Cary L. Washington Professor at the Lally School of Management and Technology, Rensselaer Polytechnic Institute, USATIMO LIVARINEN Financial Markets and Statistics Department, Bank of Finland, FinlandKARLO KAUKO Financial Markets and Statistics Department, Bank of Finland, FinlandKARI KEMPPAINEN Financial Markets and Statistics Department, Bank of Finland, FinlandTANAI KHIANONARONG Bank of Thailand, ThailandKARI KORHONEN Financial Markets and Statistics Department, Bank of Finland, FinlandHARRY LEINONEN Advisor to the Board, Bank of Finland, FinlandMARKKU MALKAMÄKI Pohjola, FinlandALISTAIR MILNE Senior Lecturer in Banking, Cass Business School, City University, UKKIRSI RIPATTI Financial Markets and Statistics Department, Bank of Finland, FinlandHEIKO SCHMIEDEL European Central Bank, GermanyOZ SHY Professor, Department of Economics, University of Haifa, IsraelJUHA TARKKA Advisor to the Board, Bank of Finland, FinlandJUKKA TOPI Financial Markets and Statistics Department, Bank of Finland, Finland