Allen N. Berger was Senior Economist from 1989 to 2008 and Economist from 1982-1989 at the Board of Governors of the Federal Reserve System. He has published more than 100 articles, including papers in the Journal of Political Economy, American Economic Review, Journal of Monetary Economics, Journal of Finance, Journal of Financial Economics, and Review of Financial Studies. He received a PhD in Economics from the University of California, Berkeley in 1983, and a BA in Economics from Northwestern University in 1976.Philip Molyneux's research interests include competition, risk and performance in European banking, and developments in global wealth management. In 2001 he was the Visiting Bertill Daniellson Research Fellow at the Stockholm School of Economics and University of Gothenburg. Between 2002 and 2005 he acted as a member of the ECON Financial Services expert panel for the European Parliament. He has held visiting Professorships at Bocconi University, Erasmus University, and Bolzano Free University (Italy).John O.S. Wilson's research interests focus on the areas of European Banking, UK and US Credit Unions, and Financial Exclusion. He has been involved in work that examines the profitability and growth of European banks; competition, risk, and performance in European banking; growth, development, diversification, technology adoption, mergers, and performance of credit unions, and their role in tackling financial exclusion.

Review from previous edition Impressive...written by outstanding researchers...provides a unique combination of banking relevant theory, empirical research and policy related material

• PART I: THE THEORY OF BANKING ; PART II: REGULATORY AND POLICY PERSPECTIVES ; PART III: BANK PERFORMANCE ; PART IV: MACROECONOMIC PERSPECTIVES IN BANKING ; PART V: INTERNATIONAL DIFFERENCES IN BANKING STRUCTURES AND ENVIRONMENTS

Allen N. Berger was Senior Economist from 1989 to 2008 and Economist from 1982-1989 at the Board of Governors of the Federal Reserve System. He has published more than 100 articles, including papers in the Journal of Political Economy, American Economic Review, Journal of Monetary Economics, Journal of Finance, Journal of Financial Economics, and Review of Financial Studies. He received a PhD in Economics from the University of California, Berkeley in 1983, and a BA in Economics from Northwestern University in 1976.Philip Molyneux's research interests include competition, risk and performance in European banking, and developments in global wealth management. In 2001 he was the Visiting Bertill Daniellson Research Fellow at the Stockholm School of Economics and University of Gothenburg. Between 2002 and 2005 he acted as a member of the ECON Financial Services expert panel for the European Parliament. He has held visiting Professorships at Bocconi University, Erasmus University, and Bolzano Free University (Italy).John O.S. Wilson's research interests focus on the areas of European Banking, UK and US Credit Unions, and Financial Exclusion. He has been involved in work that examines the profitability and growth of European banks; competition, risk, and performance in European banking; growth, development, diversification, technology adoption, mergers, and performance of credit unions, and their role in tackling financial exclusion.

Review from previous edition Impressive...written by outstanding researchers...provides a unique combination of banking relevant theory, empirical research and policy related material

• PART I: THE THEORY OF BANKING ; PART II: REGULATORY AND POLICY PERSPECTIVES ; PART III: BANK PERFORMANCE ; PART IV: MACROECONOMIC PERSPECTIVES IN BANKING ; PART V: INTERNATIONAL DIFFERENCES IN BANKING STRUCTURES AND ENVIRONMENTS