, Bank risk typology Std. dev. of RoE X2SdRoe1

, Bank characteristics Level of equity** (-2.39) (-1.24) (-2.21) (-2.63) (-2.26) (-1.27) (-3.01) (-2.61) (-3.17) (-0.96) (-3.18) (-3.09)

, Bank risk typology NPL over Loans) (1.08) (1.37) (-2.05) (-0.47) (-0.97) (2.40) (-2.99) (-0.41) (-0.51) (2.58) (-2.52)

, Bank characteristics Dividend paid out) (1.86) (0.12) (1.08) (2.74) (1.69), pp.56-60

, Bank performance Loan growth X7LnGwth*** (-0.50) (-1.33) (-1.26) (2.74) (3.30) (4.03) (1.59) (10.88), pp.8595-8604

, Bank performance Excess Return X8ExcssR37) (2.21) (-4.15) (-0.37) (-1.80) (0.77) (-0.08) (-1.11) (-3.26) (0.47) (-1.56) (-1.05)

, (-0.02) (-0.35) (-0.22) (-1.91) (-2.60) (-1.79) (0.43) (-1.98) (-1.35) (-1.49) (0.88) (-2.56) presented in the articles in this thesis argue in favor of more integrated legal and fiscal frameworks in Europe to mitigating these tradeoff effects. Looking ahead to the next years, it is likely that the current liquidity ratios will be amended to include the endogeneity property and the stochastic movements of the market as proposed by the Liquidity Mismatch Measurement of Brunnermeier, Bank performance Operating income, 2014.

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