YENER ALTUNBAS Research Officer, Institute of European FinancePABLO DE ANDRES ALONSO Associate Professor of Finance, University of ValladolidVALENTIN AZOFRA PALENZUELA Professor of Banking and Finance, University of ValladolidGÖRAN BERGENDAHL Professor of Business Administration, Göteborg UniversityMARGARET BROWN Lecturer in Insurance, University of Wales, BangorSANTIAGO CARBO VALVERDE Professor Titular of Applied Economics, University of GranadaFRANCESCO CESARINI Professor of Banking, Catholic University of MilanANDREW ELLUL Department of Banking and Finance, University of MaltaELISABETTA GUALANDRI Associate Professor, University of ModenaSANDOR LIGETI Professor of Banking and Finance, Budapest UniversityTED LINDBLOM Professor, Göteborg UniversityFÉLIX J. LOPEZ ITURRIAGA Associate Professor of Finance, University of ValladolidJOEL METAIS Professor of Economics, University of Paris DauphinePHILIP MOLYNEUX Professor in Banking and Finance and Co-Director, Institute of European FinanceJOSÉ M.PASTOR Professor, Department of Economic Analysis, Universitat de ValenciaFRANCISCO PÉREZ Professor, Department of Economic Analysis, Universitat de Valencia PAULO SOARES DE PINHO Assistant Professor of Banking and Finance, Universidade Nova de LisboaJOSE MIGUEL RODRIGUEZ FERNANDEZ Associate Professor, Banking and Finance, University of ValladolidLEO SCHUSTER Professor, Business Administration, Catholic University of EichstättJONATHAN WILLIAMSResearch Officer, Institute of European Finance, University of Wales, Bangor