Jens Hagendorff is the Martin Currie Professor in Finance and Investment at the University of Edinburgh Business School. He has previously worked at the Financial Stability Department of The Bank of Spain, The University of Leeds, and he was also a visiting fellow at the Federal Reserve Bank of Atlanta. Jens' work on European banking has been published in highly-rated international journals such as Review of Finance, Journal of Corporate Finance, Journal of Banking & Finance, and Journal of Financial Services Research. Kevin Keasey is Professor of Financial Services, Director of the International Institute of Banking and Financial Services, and Head of the Accounting and Finance Department at the University of Leeds. He is the author of 12 books, monographs, and edited volumes on corporate governance, financial regulation and financial services, small firm finance and financial markets, and behavioural finance, and is the author of over 115 refereed articles in leading international journals and over 80 other publications (book chapters, reports, etc.). Francesco Vallascas is Associate Professor of Banking and Finance at the University of Leeds. He teaches across a range of subjects in Banking and International Finance. Francesco has previously worked as a Lecturer in Financial Intermediation at the University of Cagliari and with the research centre of the European Commission on several research projects. Francesco' work on banking has been published in highly-rated international journals such as Review of Finance, Journal of Corporate Finance, Journal of Banking & Finance, Journal of International Money & Finance, and Journal of Financial Services Research.