ΒΙΟΓΡΑΦΙΚΟ ΣΗΜΕΙΩΜΑ ΧΡΗΣΤΟΣ Κ. ΣΤΑΪΚΟΥΡΑΣ

ΒΙΟΓΡΑΦΙΚΟ ΣΗΜΕΙΩΜΑ ΧΡΗΣΤΟΣ Κ. ΣΤΑΪΚΟΥΡΑΣ Βουλευτής Ν.Φθιώτιδας Νέα Δημοκρατία Επίκουρος Καθηγητής Οικονομικό Πανεπιστήμιο Αθηνών (Τμήμα Λογιστικής και Χρηματοοικονομικής) 1. ΠΡΟΣΩΠΙΚΑ ΣΤΟΙΧΕΙΑ Ημερομηνία γέννησης: 12 Αυγούστου 1973 Τόπος γέννησης: Λαμία Οικογενειακή κατάσταση: Έγγαμος Δ/νση Γραφείου: Ορλάνδου & Ταϋγέτου, 35100 Λαμία Τηλ:22310 34250 fax: 22310 30250 Μητροπόλεως 1, 10547 Αθήνα Τηλ.: 210 3709546, fax: 210 3709549 2. ΕΚΠΑΙΔΕΥΣΗ 10/1997 05/2001 Διδακτορικό Δίπλωμα στην Τραπεζική (PhD in Banking), Department of Banking and Finance, Cass Business School, City University, London 09/1996 11/1997 Μεταπτυχιακός Τίτλος Σπουδών στη Διοίκηση Επιχειρήσεων (Master in Business Administration Μ.Β.Α.), Management School, Τομέας Ειδίκευσης: Μάνατζμεντ, Imperial College of Science, Technology and Medicine, University of London, London 09/1991 06/1996 Δίπλωμα Μηχανολόγου Μηχανικού, Τομέας Ειδίκευσης: Μηχανικός Παραγωγής Σχολή Μηχανολόγων Μηχανικών, Εθνικό Μετσόβιο Πολυτεχνείο (Ε.Μ.Π.) 1991 Απόφοιτος 39 ου Γενικού Λυκείου Κυψέλης 1

3. ΥΠΟΤΡΟΦΙΕΣ 09/1996 09/2000 Ευγενίδιο Ιδρυμα (Eugenides Foundation) Εκπόνηση διδακτορικής διατριβής για πραγματοποίηση μεταπτυχιακών σπουδών στο εξωτερικό ΑΚΑΔΗΜΑΪΚΗ ΔΡΑΣΤΗΡΙΟΤΗΤΑ 4. ΕΡΕΥΝΗΤΙΚΟ- ΣΥΓΓΡΑΦΙΚΟ ΕΡΓΟ 4.1 Πανεπιστημιακές Διατριβές 4.1.1 European banking industry: Sources of income and profitability, Department of Banking and Finance, Cass Business School, City University, 2001. 4.1.2 The effects of EMU in the Greek banking system, The Management School, Imperial College of Science, Technology and Medicine, University of London, 1997. 4.1.3 «Στρατηγικός καταμερισμός επενδύσεων και μοντέλα επιλογής βέλτιστου χαρτοφυλακίου στην Ελληνική κεφαλαιαγορά», Σχολή Μηχανολόγων Μηχανικών, Εθνικό Μετσόβιο Πολυτεχνείο, 1996. 4.2 Δημοσιεύσεις Επιστημονικά περιοδικά (με κριτές) 4.2.1 Staikouras C. (with Apergis N. and E. Mamatzakis), 2011. The Greek sovereign debt crisis: testing for regime changes. International Advances in Economic Research, Vol. 17, pp. 258-273. 4.2.2 Staikouras C. (with Tsatsanis D. and J. Mylonakis), 2010. The effect of Media Exposure and Market Psycology on IPOs Underpricing. International Review of Applied Financial Issues and Economics, Vol. 2, No. 4, pp. 803-822 4.2.3 Staikouras C. (with Mamatzakis E. and A. Koutsomanoli-Filippaki), 2010. On the determinants of banking efficiency in four new European Union Member States: the 2

impact of structural reforms. Working Paper 24634, University Library of Munich, Germany. 4.2.4 Staikouras, C. (with Athanasoglou P. and E. Georgiou), 2009. Assessing output and productivity growth in the banking industry. The Quarterly Review of Economics and Finance 49, pp.1317-1340. 4.2.5 Staikouras, C. (with Margaritis, D. and A. Koutsomanoli-Filippaki), 2009. Efficiency and productivity growth in the banking industry of Central and Eastern Europe. Journal of Banking and Finance, pp. 557-567. 4.2.6 Staikouras, C. (with Mamatzakis, E. and A. Koutsomanoli-Filippaki), 2009. Structural reforms and banking efficiency in the new EU States. Journal of Policy Modeling, pp. 17-21. 4.2.7 Staikouras, C. (with Margaritis, D. and A. Koutsomanoli-Filippaki), 2009. Profit efficiency under a directional technology distance function approach. Managerial Finance, Special Issue: Efficiency of Financial Institutions 35, pp.276-296. 4.2.8 Staikouras, C. (with Delis, M., Gerogiannaki, A. and A. Koutsomanoli-Filippaki) 2009. Evaluating cost and profit efficiency: A comparison of parametric and non-parametric methodologies. Applied Financial Economics 19, pp.191-202. 4.2.9 Staikouras, C. (with Mamatzakis, E. and A. Koutsomanoli-Filippaki), 2009. Cost efficiency of the banking industry in the South Eastern European region. Journal of International Financial Markets, Institutions & Money 19, pp. 483-497. 4.2.10 Staikouras, C. (with Delis, M. and P. Athanasoglou), 2009. Determinants of Bank Profitability in the South Eastern European Region. Journal of Financial Decision Making 2, pp. 1-17. 4.2.11 Staikouras, C. (with Delis, M. and P. Varlagas), 2008. On the measurement of market power in the banking industry. Journal of Business Finance and Accounting 35, pp. 1023-1047. 3

4.2.12 Staikouras, C. (with Mamatzakis, E. and A. Koutsomanoli-Filippaki), 2008. An empirical investigation of operating performance in the new European banking landscape. Global Finance Journal 19, pp. 32-45. 4.2.13 Staikouras, C. (with Mamatzakis, E. and A. Koutsomanoli-Filippaki) 2008. Bank efficiency in the new European Union member states: Is there convergence?. International Review of Financial Analysis, pp. 1156-1172. 4.2.14 Staikouras, C. (with Mamatzakis, E. and A. Koutsomanoli-Filippaki), 2007. Operating performance of the banking industry: An empirical investigation of the South Eastern European region. South-Eastern Europe Journal of Economics, pp. 245-266. 4.2.15 Staikouras, C. (with Staikouras, P. and M. Agoraki). The effect of board size and composition on European bank performance. European Journal of Law and Economics 23, pp.1-27. 4.2.16 Staikouras, C. (with E. Mamatzakis), 2006. A micro-econometric model of the UK property-liability insurance industry. Applied Financial Economics Letters 2, pp. 257-260. 4.2.17 Staikouras, C (with Chytas, P., Glykas, M. and G. Valiris), 2006. Performance measurement in a Greek financial institute using the balanced scorecard. Measuring Business Excellence 10, pp. 87-98. 4.2.18 Staikouras, C. (with A. Koutsomanoli-Filippaki), 2006. Competition and concentration in the new European banking landscape. European Financial Management 12, pp. 443-482. 4.2.19 Staikouras, C. (with Mamatzakis, E. and A. Koutsomanoli-Filippaki), 2005. Competition and concentration in the banking sector of the South Eastern European region. Emerging Markers Review 6, pp. 192-209. 4.2.20 Staikouras, C. (with G. Wood), 2004. The determinants of European bank profitability. International Business & Economics Research Journal 3, pp. 57-68. 4

4.2.21 Staikouras, C. (with Glykas, M. and G. Xirogiannis), 2004. Fuzzy cognitive maps as a back end to knowledge-based systems in geographically dispersed financial organization s. Knowledge and Process Management 11, pp. 137-154. 4.2.22 Staikouras, C. (with Korres, G. and D. Chionis), 2004. Regional systems of innovation and regional policy in Europe. Regional and Sectoral Economic Studies 4, pp. 25-44. 4.2.23 Staikouras, C. (with G. Wood), 2004. Sources of income and stability in the European banking industry. Ekonomika 16, pp. 6-8. 4.2.24 Staikouras, C.(with Smith, R. and G. Wood), 2003. Non-interest income and total income stability. Bank of England Quarterly Bulletin 43, Working Paper, No. 198. 4.2.25 Staikouras, C (with G. Wood), 2000. Competition and banking stability in the euro area: The cases of Greece and Spain. The Journal of International Banking Regulation 2, pp. 7-24. Συλλογικοί τόμοι 4.2.26 Σταϊκούρας, Χ., Τριαντόπουλος, X. 2009. Το ευρώ και η ολοκλήρωση της ευρωπαϊκής χρηματοπιστωτικής αγοράς: Ο ρόλος του ρυθμιστικού και εποπτικού πλαισίου. Υπό έκδοση στο «Διεθνής και Ευρωπαϊκή Πολιτική», Εκδόσεις Παπαζήση. 4.2.27 Staikouras, C., Korres, G. and E. Mamatzakis, 2007. An assessment of the integration of Eastern European economies in the European Union. Regionalisation, Growth and Economic Integration, Physica-Verlag, Springer, pp. 25-38. 4.2.28 Staikouras, C., Athanasoglou, P. and M. Delis, 2006. Determinants of bank profitability in the South Eastern European region. Bank of Greece, Working Paper, No. 47, September. 4.2.29 Σταϊκούρας, Χ., 2004. Δομή των λειτουργικών εσόδων των ελληνικών τραπεζών: Τάσεις, προκλήσεις και προοπτικές. Συλλογικός τόμος με τίτλο: «Το Νέο Ευρωπαϊκό Χρηματοοικονομικό Περιβάλλον: Τάσεις και Προοπτικές», Ένωση Ελληνικών Τραπεζών, Εκδόσεις A. Σάκκουλα, σελ. 461-477. 4.2.30 Σταϊκούρας, Χ. και Κ. Τσαμαδιάς, 2004. Το ανθρώπινο κεφάλαιο στην οικονομία της Περιφέρειας Στερεάς Ελλάδας (Περίοδος 1998-2002). Συλλογικός τόμος με τίτλο: 5

«Εκπαίδευση και Ανάπτυξη: Η Περίπτωση της Περιφέρειας Στερεάς Ελλάδας», Όμιλος Πολιτών Φθιώτιδα 21ος Αιώνας και Συνεταιριστική Τράπεζα Λαμίας, σελ. 240-269. 4.2.31 Staikouras, C. and G. Wood, 2002. Net interest income, balance sheet structure and interest rates. New Trends in Banking Management, IFORS, Physica-Verlag Publication, pp. 189-204. 4.2.32 Σταϊκούρας, Χ. και M. Στέλιαρος, 1999. Προσδιοριστικοί παράγοντες της κερδοφορίας των Ελληνικών τραπεζικών ιδρυμάτων. Δελτίο Ένωσης Ελληνικών Τραπεζών 19-20, σελ. 61-66. 4.3 Πανεπιστημιακές παραδόσεις 4.3.1 Σταϊκούρας, Χ., 2006. Χρηματοοικονομική Ασφαλιστικών Οργανισμών. Εκδόσεις Οικονομικού Πανεπιστημίου Αθηνών. 4.3.2 Σταϊκούρας, Χ., 2004. Μαθηματικά Χρηματοπιστωτικής Ανάλυσης. Εκδόσεις Οικονομικού Πανεπιστημίου Αθηνών. 4.3.3 Σταϊκούρας, Χ., 2004. Τραπεζική Χρηματοοικονομική. Εκδόσεις Οικονομικού Πανεπιστημίου Αθηνών. 4.4 Ανακοινώσεις σε Διεθνή Συνέδρια 4.4.1 Σταικούρας Χ., Τσαμαδιάς Κ., Πέγκας Π., (2010). «Το απόθεμα του ανθρώπινου κεφαλαίου, οι συσχετίσεις και οι αιτιώδεις σχέσεις με το Ακαθάριστο Εγχώριο Προιόν, το Διαθέσιμο Εισόδημα και τις Ιδιωτικές Καταθέσεις στις Περιφέρειες της Ελλάδας την περίοδο 1998-2008», 16ο Επιστημονικό Συνέδριο του Συνδέσμου Ελλήνων Περιφερειολόγων. 4.4.2 Staikouras, C. and M. Agoraki, 2006. The determinants of net interest margin in the South Eastern European banking sector. Emerging Markets Finance and Economics Conference, Istanbul, Turkey, September 6-8. 6

4.4.3 Staikouras, C., Delis, M. and P. Varlagas, 2006. Competition in the Greek banking industry: An application of the non-structural methodologies. Emerging Markets Finance and Economics Conference, Istanbul, Turkey, September 6-8. 4.4.4 Staikouras, C., Staikouras, P. and M. Agoraki, 2006. The effect of board size and composition on European bank performance. European Financial Management Association, Annual Meetings, Universidad Complutense, Madrid, Spain. 4.4.5 Staikouras, C., Mamatzakis, E. and A. Koutsomanoli-Filippaki, 2006. Banking efficiency in the ten new EU countries: Is there convergence?. 13th Annual Conference of the Multinational Finance Society, Edinburgh, UK, June 25-17. 4.4.6 Staikouras, C., Hevas, D. and G. Siougle, 2005. The pricing of bank stocks in Europe. European Accounting Association, 28th Annual Congress, Goteborg, May 18-20. 4.4.7 Staikouras, C., Hevas, D. and G. Siougle, 2005. The pricing of bank stocks in Europe: An analysis by the sector of banking activity. Advances in Applied Financial Economics, 2nd International Conference, Samos, July 15-17. 4.4.8 Staikouras, C. and G. Leledakis, 2005. The stock return predictability of the European banking sector. European Financial Management Association, Annual Conference, Universita Bocconi, Milan, June 29 July 2. 4.4.9 Staikouras, C. and A. Koutsomanoli-Filippaki, 2005. An empirical investigation of operating costs in the new European banking landscape. European Financial Management Association, Annual Conference, Universita Bocconi, Milan, June 29 July 2. 4.4.10 Staikouras, C. and G. Leledakis, 2005. The stock return predictability of the European banking sector. Twelfth Annual Conference of the Multinational Finance Society, Athens, July 2-7. 4.4.11 Staikouras, C., Mamatzakis, M. and A. Koutsomanoli-Filippaki, 2005. An empirical investigation of banks operating costs in the South Eastern European countries. Emerging Markets Finance, Cass Business School, London, May 5-6. 7

4.4.12 Σταϊκούρας, Χ. και A. Κουτσομανώλη-Φιλιππάκη, 2004. Competition and concentration in the new European banking landscape. 3ο Ετήσιο Συνέδριο Συνδέσμου Επιστημόνων Χρηματοοικονομικής και Λογιστικής Ελλάδος (H.F.A.A.), Αθήνα, 3-4 Δεκεμβρίου. 4.4.13 Staikouras, C. and A. Koutsomanoli-Filippaki, 2004. Competition and concentration in the new European banking landscape. Money, Macro and Finance Research Group, 36th Annual Conference, London, September 6-8. 4.4.14 Staikouras, C. and D. Tsatsanis, 2004. The impact of media exposure and market psychology on the underpricing of Initial Public Offerings: The UK case. Eleventh Annual Conference of the Multinational Finance Society, Istanbul, July 3 8. 4.4.15 Staikouras, C. and D. Tsatsanis, 2004. The impact of media exposure and market psychology on the underpricing of IPOs: The UK case. European Financial Management Association, Annual Conference, Basel, June 30 July 3. 4.4.16 Σταϊκούρας, Χ. και Κ. Τσαμαδιάς, 2004. Το ανθρώπινο κεφάλαιο στην οικονομία της Περιφέρειας Στερεάς Ελλάδας, 1998-2002. Πανελλήνιο Επιστημονικό Συνέδριο, Όμιλος Πολιτών Φθιώτιδα 21ος Αιώνας και Συνεταιριστική Τράπεζα Λαμίας, Λαμία, 9-11 Ιανουαρίου. 4.4.17 Staikouras, C. and G. Wood, 2003. The determinants of bank profitability in Europe. The European Applied Business Research Conference, Venice, June, 9-13. 4.4.18 Staikouras, C. and G. Wood, 2001. Net interest income, balance sheet structure and interest rates. European Financial Management Association, Annual Conference, Lugano, June, 27-30. 4.4.19 Staikouras, C. and G. Wood, 2001. The determinants of bank profitability. European Financial Management Association, Annual Conference, Lugano, June, 27-30. 4.4.20 Staikouras, C., Milne, A. and G. Wood, 2001. European banks net income, balance sheet structure and interest rates. 10th International Federation of Operational Research Society Conference, Athens, April, 1-3. 8

4.4.21 Staikouras, C. and G. Wood, 2001. Determinants of bank profitability in Europe. 10th International Federation of Operational Research Society Conference, Athens, April, 1-3. 4.4.22 Staikouras, C. and G. Wood, 2000. Competition and banking stability in the euro area: The cases for Greece and Spain. European Financial Management Association, Annual Conference, Athens, June 28 July 1. 4.4.23 Staikouras, C., Smith, R. and G. Wood, 2000. Bank non-interest income: A source of stability?. European Financial Management Association, Annual Conference, Athens, June 28 July 1. 4.4.24 Staikouras, C. and G. Wood, 2000. Sources of income in European banking. The Royal Institute of International Affairs, Chatham House Conference Financial Series, London, March, 20-21. 4.5 Συμμετοχή σε Ερευνητικά Προγράμματα 4.5.1 The internal market of the banking industry: An estimate of the structural changes induced by deregulation and the single currency Διάρκεια 6 μήνες (07/1999-12/1999) (Μέλος της ερευνητικής ομάδας) Χρηματοδότηση: Ευρωπαϊκή Επιτροπή (Single Market Directorate) 4.5.2 Μελέτη της δομής αγοράς, συγκέντρωσης, αποτελεσματικότητας και αποδοτικότητας του Ευρωπαϊκού τραπεζικού συστήματος Διάρκεια 27 μήνες (1/3/2004-31/12/2006) (Επιστημονικός Υπεύθυνος) Χρηματοδότηση: Ευρωπαϊκή Επιτροπή και Υπουργείο Παιδείας (Επιστημονικό Πρόγραμμα «Πυθαγόρας») 4.6 Λοιπές Δημοσιεύσεις 4.6.1 Σταϊκούρας, Χ., (2006). Ελληνική τραπεζική αγορά: «Τάσεις, προκλήσεις και προοπτικές». Καθημερινή, Ειδικές Εκδόσεις: The Economist, Ιούλιος/ Αύγουστος. 4.6.2 Σταϊκούρας, Χ., (2006). Αφιέρωμα: «Τράπεζες, το μέγεθος μετράει» Καθημερινή, Ειδικές Εκδόσεις: The Economist, Ιούλιος / Αύγουστος. 9

4.6.3 Σταϊκούρας, Χ., Στουρνάρας Ι. και Δ. Χιόνης, (2005). «Προτάσεις μεταρρυθμίσεων για τη βελτίωση των επιδόσεων της ελληνικής οικονομίας.» Οικονομικό Επιμελητήριο Αθηνών, Ομάδα Εργασίας. 4.6.4 Σταϊκούρας, Χ. και Δ. Χιόνης, (2005). Το φορολογικό υπόδειγμα του ενιαίου συντελεστή φορολογίας. Περιοδικό Επίκεντρα, υπό έκδοση (Οκτώβριος). 4.6.5 Σταϊκούρας, Χ., 1996. Ο οικονομικός και κοινωνικός ρόλος της σύγχρονης ιδιωτικής επιχείρησης. Εμπορικό και Βιομηχανικό Επιμελητήριο Αθηνών. 4.6.6 Σταϊκούρας, Χ., 1999. Η άνθηση της κεφαλαιαγοράς και ο καπιταλισμός του καζίνο. Περιοδικό Επίκεντρα, σελ. 31-32. 4.6.7 Σταϊκούρας, Χ., 1999. Οι κρυφές αλήθειες του πληθωρισμού. Περιοδικό Επίκεντρα, σελ. 17-18. 4.6.8 Σταϊκούρας, Χ., 1997. Η σκακιέρα της συναλλαγματικής κρίσης και η άμυνα της δραχμής. Περιοδικό Επίκεντρα, σελ. 7. 4.6.9 Σταϊκούρας, Χ., 1994. Οδηγός Μεταπτυχιακών Σπουδών. Ευρωπαϊκό Κέντρο Νέων για την Ευρώπη, Αθήνα. 4.7 Διακρίσεις Άρθρων και Μελετών 4.7.1 Best Paper Award: European Applied Business Research Conference, Venice, Italy, 2003. 4.7.2 Βραβείο Εμπορικού και Βιομηχανικού Επιμελητηρίου Αθηνών (Ε.Β.Ε.Α.), 1995. 4.8 Επίβλεψη Διατριβών 10

4.8.1 Επιβλέπων καθηγητής σε διπλωματικές εργασίες στα προγράμματα μεταπτυχιακών σπουδών με τίτλο «Λογιστική και Χρηματοοικονομική», «Τραπεζική και Χρηματοοικονομική για Στελέχη» και «Εφαρμοσμένα Οικονομικά με Έμφαση στις Στρατηγικές Αποφάσεις». 4.8.2 Μέλος της τριμελούς επιτροπής των υποψηφίων διδακτόρων Α. Κουτσομανώλη- Φιλιππάκη, Θ. Λαζαρίδη, Α. Αντωνόπουλου, Θ. Μανδάλη, Μ. Παπαγεωργίου και Μ. Αγοράκη. 4.9 Ετεροαναφορές 4.9.1 Mamatzakis, E., C. Staikouras, and A. Koutsomanoli-Fillipaki, (2005), Competition and concentration in the banking sector of the South Eastern European region. Emerging Markets Review 6, 192-209. 1. Eller, M., P. Haiss, and K. Steiner. 2006. Foreign direct investment in the financial sector and economic growth in central and Eastern Europe: The crucial role of the efficiency channel. Emerging Markets Review 7, (4): 300-319. 2. Majid, M. Z. A., and F. Sufian. 2006. Consolidation and competition in emerging market: An empirical test for malaysian banking industry. Economic Change and Restructuring 39, (1-2): 105-124. 3. Dimitrijevic, J., and B. Najman. 2008. Inside the credit boom: Competition, segmentation and information - evidence from the Serbian credit market. Comparative Economic Studies 50, (2): 217-252 4. Naaborg, I., and R. Lensink. 2008. Banking in transition economies: Does foreign ownership enhance profitability? European Journal of Finance 14, (7): 545-562. 5. Gischer, H., and M. Stiele. 2009. Competition tests with a non-structural model: The panzar-rosse method applied to Germany s savings banks. German Economic Review 10, (1): 50-70. 6. Hurduc, N., and N. Harduc. 2009. Econometric model panzar rosse used to assess competition on the banking system - case study central and eastern europe. Metalurgia International 14, (5): 98-101. 7. Kasman, A. 2010. Consolidation and competition in the banking industries of the EU member and candidate countries. Emerging Markets Finance and Trade 46, (6): 121-139. 11

8. Kasman, A., S. Kasman, and E. Turgutlu. 2011. Testing profit and structure relationship in the european banking markets using efficiency measures. Developing Economies 49, (4): 404-428. 9. Lapteacru, I., and E. Nys. 2011. Impact of competition on bank efficiency: The case of eastern and central Europe. Revue Economique 62, (2): 313-329. 10. Chen, S. -H, and C. -C Liao. 2011. Are foreign banks more profitable than domestic banks? Home- and host-country effects of banking market structure, governance, and supervision. Journal of Banking and Finance 35, (4): 819-839. 11. Jacob A., Bikker Laura, Spierdijky Paul Finniez. 2007. Working Paper. Misspecification of the Panzar-Rosse Model: Assessing Competition in the Banking Industry 12. Bikker, J.A.; Spierdijk, Laura. 2008. How Banking Competition changed over Time. Discussion Paper Series / Tjalling C. Koopmans Research Institute, Volume: 08, Issue: 04 (2008), pp. 1-33 13. Markus Eller, Peter R. Haiss, Katharina Steiner. 2005. Foreign Direct Investment in the Financial Sector: The Engine of Growth for Central and Eastern Europe? Vienna University of Economics and B.A., Europainstitut Working Papers No. 69 14. Gerhard Fink, Peter Haiss, Mina von Varendorff. 2007. Serbia's Banking Sector Reform: Implications for Economic Growth and Financial Development, p.p pages 609-636 15. Ilko Naaborga, Robert Lensinkb.2008. Banking in transition economies: does foreign ownership enhance profitability? The European Journal of Finance Vol. 14, Issue 7, 2008, special Issue: Financial Reform in Emerging Markets 16. Muhamed-Zulkhibri Abdul Majid.2008. Market Structure and Competition in Emerging Market: Evidence from Malaysian Islamic Banking Industry. Journal of Economic Cooperation 28 2 (2007): pp. 99-121 17. Mensi Sami.2010. Measurement of competitiveness degree in Tunisian deposit banks: An application of the Panzar and Rosse model. Panoeconomicus 2010 Volume 57, Issue 2, Pages: 189-207 18. Peter Haiss and Elisabeth Kichler. 2009. Working paper. Leasing, credit and economic growth. Evidence for Central and South Eastern Europe. Vienna University of Economics and Business 19. Andrie Alin Marius, Căpraru Bogdan.2010. Working paper. Competition in Romanian Banking Sector. University of Iasi, Faculty of Economics and Business Administration 12

20. Ion Lapteacru. 2010. The banking competition and efficiency in the transmission of monetary policy in CEECs. International Journal of Economic Policy in Emerging Economies, Vol. 3, Number 2/2010, p.p 158-182 4.9.2 Staikouras, C. K., A. Koutsomanoli-Fillipaki, (2006), Competition and concentration in the New European banking landscape. European Financial Management 12, 443-482. 1. Goddard, J., P. Molyneux, J. O. S. Wilson, and M. Tavakoli. 2007. European banking: An overview. Journal of Banking and Finance 31, (7): 1911-1935. 2. Jacob A., Bikker Laura, Spierdijky Paul Finniez. 2007. Misspecification of the Panzar- Rosse Model: Assessing Competition in the Banking Industry 3. Klaus Schaeck, Martin Cihák. 2010. Banking competition and capital ratios. European Financial Management 4. Arnoud W. A. Boot, Matej Marinč, 2008. The evolving landscape of Banking. Oxford Journals Economics & Social Sciences Industrial and Corporate Change, Volume17, Issue 6 Pp. 1173-1203 5. Haq, M., and R. Heaney. 2009. European bank equity risk: 1995-2006. Journal of International Financial Markets, Institutions and Money 19, (2): 274-288. 6. Luis Gutiérrez de Rozas.2007. Testing for Competition in the Spanish Banking Industry: The Panzar-Rosse Approach Revisited Banco de España Research Paper No. WP-0726 7. Coccorese, P. 2009. Market power in local banking monopolies. Journal of Banking and Finance 33, (7): 1196-1210. 8. Mercieca, S., K. Schaeck, and S. Wolfe. 2009. Bank market structure, competition, and SME financing relationships in european regions. Journal of Financial Services Research 36, (2): 137-155. 9. Turk-Ariss, R. 2009. Competitive behavior in middle east and north africa banking systems. Quarterly Review of Economics and Finance 49, (2): 693-710. 10. Kasman, A. 2010. Consolidation and competition in the banking industries of the EU member and candidate countries. Emerging Markets Finance and Trade 46, (6): 121-139. 11. Miguel Boucinha, Nuno Ribeiro. An assessment of competition in the Portuguese banking system in the 1991-2004 period. Financial Stability Report 2007, Banco de Portugal 13

12. Francesco Trivieri. 2007.Does cross-ownership affect competition? Evidence from the Italian banking industry. Journal of International Financial Markets, Institutions and Money, Vol. 7, Issue 1, p.p 79-101 13. Bikker, J.A.; Spierdijk, Laura.2009. Measuring and explaining competition in the financial sector. Utrecht School of Economics Utrecht University 14. Coccorese, P. 2010. Information exchange as a means of collusion: The case of the italian car insurance market. Journal of Industry, Competition and Trade 10 15. Agostino, M., and F. Trivieri. 2010. Is banking competition beneficial to SMEs? an empirical study based on italian data. Small Business Economics 35, (3): 335-355. 16. Aktan, B., and O. Masood. 2010. The state of competition of the turkish banking industry: An application of the panzar-rosse model. Journal of Business Economics and Management 11, (1): 131-145. 17. Rezitis, A. N. 2010. Evaluating the state of competition of the greek banking industry. Journal of International Financial Markets, Institutions and Money 20, (1): 68-90. 18. Stavárek, D., and I. Řepková. 2011. Estimation of the competitive conditions in the czech banking sector. Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis 59, (2): 299-306. 19. Liu, H., P. Molyneux, and L. H. Nguyen. 2012. Competition and risk in south East Asian commercial banking. Applied Economics 44, (28): 3627-3644. 20. Christoph Memmel, Andrea Schertler.2010. The Dependency of the Banks' Assets and Liabilities: Evidence from Germany. European Financial Management. 21. Klaus Schaeck. 2009. Bank Market Structure, Competition, and Stability: Issues and Concepts. The Changing Geography of Banking and Finance, p.p 133-153. 22. David Ruthenberg. 2006. Competition in the Banking Industry: Theoretical Aspects and Empirical Evidence from Israel in an International Perspective. Working paper. Banking Supervision Department Bank of Israel 23. M. Agostino et al.2009. Credit Risk Rationing, Chapter 1 of the Book Banks and the Italian Economy by By Damiano Bruno Silipo 24. Minyan Zhu. 2008. University of Birmingham. Revisiting Banking Competition in Developing and Transition Economies 25. Dudouet, François-Xavier; Grémont, Eric; Vion, Antoine.2009. Working Paper. Core Business Network in the Eurozone 26. Małgorzata Pawłowska. 2011. Working Paper. Competition on the Polish Banking Market (before the financial crisis and during the crisis) - Empirical Results 14

27. Vedastus Timothy. 2010. Working Paper. A Study on the Determinants of Commercial Bank Performance in Tanzania: A Resource-Based View. nstitute of Rural Development Planning; Liaoning University Business School 28. Małgorzata Pawłowska**, Sylwester Kozak.2009. Working Paper. Efficiency and Competition in the Polish Banking Sector Would Euro Adoption Change Them? Bank i Kredyt. 29. Mohammed Amidu, Simon Wolfe. 2009. Working Paper. Bank Competition, Diversification and Financial Stability. 22nd Australasian Finance and Banking Conference 2009 30. Stavarek, Daniel and Repkova, Iveta.2011. Estimation of the competitive conditions in the Czech banking sector. Published in: Acta Universitatis Agriculturae et Silviculturae Mendelianae Brunensis, Vol. 59, No. 2 (March 2011): pp. 299-305. 31. Markus Schwaiger, David Liebeg. Working Paper. What drives (the decline of) bank interest rate margins in Central and Eastern Europe? Department of Finance and Accounting, Corporate Finance Group, Vienna University of Economics and Business Administration 32. Anthony Musonda. 2008. Deregulation, Market Power and Competition: An Empirical Investigation of the Zambian Banking Industry Paper submitted to the Centre for Study of African Economies (CSAE) Conference on Economic Development for Africa Department of Economics University of Oxford 4.9.3 Athanasoglou P., Delis M, Staikouras, C. (2009). Determinants of Bank Profitability in the South Eastern European Region. Journal of Financial Decision Making 2, pp. 1-17. 1. Heiko Hesse, Tigran Poghosyan, (2009), Working Paper. Oil Prices and Bank Profitability: Evidence from Major Oil Exporting Countries of Middle East and North Africa. International Monetary Fund. 2. Andreas Dietrich, Gabrielle Wanzenried. (2011). Determinants of bank profitability before and during the crisis: Evidence from Switzerland. Journal of International Financial Markets, Institutions and Money, Volume 21, Issue 3, July 2011, Pages 307-327 3. Andreas S. Andreou, George A. Zombanakis. (2006).Working Paper. Computational Intelligence in Exchange Rate Forecasting. Bank of Greece 15

4. Sami Ben Naceur, Mohammed Omran. (2011). he effects of bank regulations, competition, and financial reforms on banks' performance. Emerging Markets Review, Volume 12, Issue 1, March 2011, Pages 1-20 5. Eleni Angelopoulou, Heather D. Gibson. (2007). Working Paper. The balance sheet channel of Monetary Policy Transmission: Evidence from the UK. Bank of Greece. 6. George Hondroyiannis, P.A.V.B. Swamy, George S. Tavlas. (2007). Working Paper. The new Keynesian Phillips Curve and Lagged Inflation: a case of spurious correlation? Bank of Greece. 7. Alexandros E. Milionis. (2006).Working Paper. An alternative definition of Market efficiency and some comments on its empirical testing. Bank of Greece. 8. Chung-Hua Shen, Yi-Kai Chen, Lan-Feng Kao, Chuan-Yi Yeh. (2009). Working Paper. Bank Liquidity Risk and Performance. Department of Finance National University of Kaohsiung. 9. Nikolaos Mylonidis, Dimitrios Sideris, (2009). Home bias and purchasing power parity: evidence from the G-7 countries. International Journal of Finance & Economics. Volume 13, Issue 2, pages 199 204. 10. Adem Anbar, Deger Alper (2011). Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey. Business and Economics Research Journal, Vol. 2, No. 2, pp. 139-152. 11. Darko Tipurić, Mirjana Pejić Bach (2009). Working Paper. Changes in Industrial Concentration in the Croatian Economy (1995-2006). University of Zagreb. 12. Maria-Eleni K. Agoraki. (2008). Working Paper. The determinants of net interest margin during transition. Department of Accounting and Finance, Athens University of Economics and Business 13. Alain Angora, Caroline Roulet. (2011).Working Paper. Liquidity Assessment and the Use of Liquidity Ratio as Defined in the Basel III Accords to Identify Bank Distress. Université de Limoges. 14. Rasidah Mohd Said, Mohd Hanafi Tumin. (2011). Performance and Financial Ratios of Commercial Banks in Malaysia and China. International Review of Business Research Papers Vol. 7. No. 2. March 2011. Pp. 157-169 16

15. Ali Mirzaei, Guy Liu, and Tomoe Moore. (2011). Working paper. Does Market Structure Matter on Banks Profitability and Stability? Emerging versus Advanced Economies. Brunel University. 16. Yiwei Fang, Iftekhar Hasan, Katherin Marton (2011). Working Paper. Market Reforms, Legal Changes and Bank Risk-Taking Evidence from Transition Economies. Bank of Finland Research Discussion Paper No. 7/2011 4.9.4 Rosie Smith, C. Staikouras., Geoffrey E. Wood, (2003), Non-Interest Income and Total Income Stability. Bank of England Quarterly Bulletin 43, Working Paper, No. 198. 1. John Goddard, Philip Molyneux, John O.S. Wilson, Manouche Tavakoli. 2007. European Banking: An overview. Journal of Banking and Finance. Vol 31, Issue 7,p.p 1911-1935 2. Laetitia Lepetit, Emmanuelle Nys, Philippe Rous, Amine Tarazi.2008. Bank Income structure and risk: an empirical analysis of European banks.journal of Banking & Finance, Volume 32, Issue 8, August 2008, Pages 1452-1467 3. John Goddard, Donal McKillop, John O.S. Wilson.2008. The diversification and financial performance of US credit unions. Journal of Banking & Finance, Volume 32, Issue 9, September 2008, Pages 1836-1849 4. Laetitia Lepetit, Emmanuelle Nys, Philippe Rous, Amine Tarazi. 2008. The expansion of services in European banking: Implications for loan pricing and interest margins. Journal of Banking & Finance, Volume 32, Issue 11, November 2008, Pages 2325-2335 5. Vincenzo Chiorazzo, Carlo Milani and Francesca Salvini. 2008. Income Diversification and Bank Performance: Evidence from Italian Banks. Journal of Financial Services Research, Volume 33, Number 3, p.p 181-203. 6. Ramona Busch, Thomas Kick.2009. Working Paper. Income diversification in the German banking industry. Deutsche Bundesbank. Series 2: Banking and Financial Studies. 7. Yi-Kai, Chen LI Waihuang. 2009. Working Paper. Does Bank Performance Benefit from Non-traditional Activities? A Case of Non-interest Incomes in Taiwan Commercial Banks. Department of Finance, National University of Kaohsiung. Asia University 17

8. John O.S. Wilson, Barbara Casu, Claudia Girardone, Philip Molyneux.2010. Emerging themes in banking: Recent literature and directions for future research. The British Accounting Review, Volume 42, Issue 3, September 2010, Pages 153-169. 9. Jerome Coffinet, Surong Lin, Clement Martin. 2009. Working Paper No. 242. Stress Testing French Banks' Income Subcomponents. Banque de France 10. Barry Williams, Laurie Prather. 2005. Bank risk and return: the impact of bank noninterest income. International Journal of Managerial Finance, Vol. 6 Issue: 3, pp.220 244 11. Kei-ichiro Inaba, Masazumi Hattori. 2007. Working Paper. A Contemporary Aspect of Japanese Commercial Banking: Expansion of Fee-Based Business and Its Impact on Management Stability. Bank of Japan. 12. Maxim Zagonov. 2010. Working Paper. Securitization and Bank Intermediation Function. Cass Business School, City University, London. 13. Yi-Kai Chen, Li-Wei Huang, Amy Yueh-Fang Ho.2006. Working Paper. Is Bank Performance Benefited from Non-interest Activities? Case of Commercial Banks in Taiwan. Department of Finance National University of Kaohsiung. Taiwan. 14. Barry Williams. 2011. Working Paper. Income Volatility of Indonesian Banks after the Asian Financial Crisis. Bond University - Faculty of Business 15. Maxim Zagonov*, Aneel Keswani, Ian W. Marsh. 2009. Working Paper. Bank Regulations and Interest Rate Risk. An International Perspective. Cass Business School, City University, London 16. Tobias C. Michalak. 2010. Working Paper. The Nexus between Monetary Policy, Banking Market Structure and Bank Risk Taking: An Empirical Assessment of the Risk Taking Channel of Monetary Policy. University of Bochum, Department of Economics, Germany. 17. Jérôme Coffinet, Surong Lin and Clément Martin. 2010. Working Paper. Stress testing banks' profitability: evidence from France. Banque de France. 18. Maxim Zagonov. 2010. Working Paper. Securitization and Bank Intermediation Function. 23rd Australasian Finance and Banking Conference 2010. 18

4.9.5 Koutsomanoli-Filippaki, A., D. Margaritis, and C. Staikouras, (2009). Efficiency and productivity growth in the banking industry of Central and Eastern Europe. Journal of Banking and Finance 33, 557-567. 1. Lucy Chernykh, Rebel A. Cole.2011. Does deposit insurance improve financial intermediation? Evidence from the Russian experiment. Journal of Banking & Finance, Volume 35, Issue 2, February 2011, Pages 388-402 2. Poomthan Rangkakulnuwat, H. Holly Wang.2011. Productivity growth decomposition with FE-IV approach: Rethinking Thai commercial banks after the financial crisis. Economic Modelling, Volume 28, Issue 6, November 2011, Pages 2579-2588. 3. Delis, M. D., and E. G. Tsionas. 2009. The joint estimation of bank-level market power and efficiency. Journal of Banking and Finance 33, (10): 1842-1850. 4. Kenjegalieva, K. A., R. Simper, and T. G. Weyman-Jones. 2009. Efficiency of transition banks: Inter-country banking industry trends. Applied Financial Economics 19, (19): 1531-1546. 5. Koutsomanoli-Filippaki, A., and E. Mamatzakis. 2009. Performance and merton-type default risk of listed banks in the EU: A panel VAR approach. Journal of Banking and Finance 33, (11): 2050-2061. 6. Lozano-Vivas, A., and F. Pasiouras. 2010. The impact of non-traditional activities on the estimation of bank efficiency: International evidence. Journal of Banking and Finance 34, (7): 1436-1449. 7. Hsiao, H. -C, H. Chang, A. M. Cianci, and L. -H Huang. 2010. First financial restructuring and operating efficiency: Evidence from taiwanese commercial banks. Journal of Banking and Finance 34, (7): 1461-1471. 8. Mnasri, K., and E. Abaoub. 2010. Corporate governance, regulation and risk-taking behaviour in the banking industry: The Tunisian evidence. International Journal of Accounting, Auditing and Performance Evaluation 6, (4): 422-450. 9. Portela, M.C.A.S., and E. Thanassoulis. 2010. Malmquist-type indices in the presence of negative data: An application to bank branches. Journal of Banking and Finance 34, (7): 1472-1483. 10. Feng, G., and A. Serletis. 2010. Efficiency, technical change, and returns to scale in large US banks: Panel data evidence from an output distance function satisfying theoretical regularity. Journal of Banking and Finance 34, (1): 127-138. 11. Azadeh, A., S. F. Ghaderi, M. Mirjalili, and M. Moghaddam.2010. A DEA approach for ranking and optimisation of technical and management efficiency of a large bank 19

based on financial indicators. International Journal of Operational Research 9, (2): 160-187. 12. Banker, R. D., H. Chang, and S. -Y Lee. 2010. Differential impact of korean banking system reforms on bank productivity. Journal of Banking and Finance 34, (7): 1450-1460. 13. Andrieş, A. M., and V. Cocriş. 2010. A comparative analysis of the efficiency of romanian banks. Romanian Journal of Economic Forecasting 13, (4): 54-75 14. Azadeh, A., S. F. Ghaderi, M. Mirjalili, and M. Moghaddam. 2011. Integration of analytic hierarchy process and data envelopment analysis for assessment and optimization of personnel productivity in a large industrial bank. Expert Systems with Applications 38, (5): 5212-5225. 15. Chortareas, G. E., J. G. Garza-Garcia, and C. Girardone. 2011. Banking sector performance in latin america: Market power versus efficiency. Review of Development Economics 15, (2): 307-325. 16. Gulati, R., and S. Kumar. 2011. Impact of non-traditional activities on the efficiency of indian banks: An empirical investigation. Macroeconomics and Finance in Emerging Market Economies 4, (1): 125-166. 17. Havrylchyk, O., and E. Jurzyk. 2011. Inherited or earned? performance of foreign banks in central and eastern europe. Journal of Banking and Finance 35, (5): 1291-1302. 18. Zago, A., and P. Dongili. 2011. Credit quality and technical efficiency in banking. Empirical Economics 40, (2): 537-558. 19. Košak, M., and J. Zorić. 2011. Accounting for heterogeneity in cross-country bank efficiency comparisons: The case of new EU member states. Economics of Transition 19, (3): 473-494. 20. Darko Tipurić, Mirjana Pejić Bach. 2003. Working Paper. Changes in Industrial Concentration in the Croatian Economy (1995-2006). Faculty of Economics and Business Zagreb 21. Dr. Sunil Kumar. 2011. Working Paper. Off-Balance Sheet Activities and Profit Efficiency of Indian Banks: An Empirical Investigation. 13th Annual Conference on Money and Finance in the Indian Economy 22. Alin Marius ANDRIES, Anisoara Niculina Apetri and Vasile COCRIS.2011. Working Paper. The impact of the banking system reform on banks performance. University of Romania. 20