Robin E. Pope, Center for European Integration Studies (ZEI b), Bonn University — Germany, The Incompatibility of Diversification with Expected Utility Theory

Michael Jacobs Jr. and Hulusi Inanoglu, Office of the Comptroller of the Currency — USA, Models for Risk Aggregation and Sensitivity Analysis: Application to Bank Economic Capital

Jill Hendrickson, University of St. Thomas — USA and Mark Nichols, University of Nevada-Reno — USA, Branch Banking in the U.S. After the IBBEA: Do State Branch Laws Affect Performance?

Kyoo H. Kim, Bowling Green State University — USA, A Banking Model with Credit Risk Transfers and Capital Regulation

Can Erbil, Brandeis University — USA and Ferhan Salman, International Monetary Fund — USA, Relaxing the Financial Constraint: The Impact of Banking Sector Reform on Firm Performance