Bank Funding, Financial Instruments and Decision-Making in the Banking Industry

Santiago Carbó-Valverde
 is Professor of Economics and Finance at Bangor University, UK. He was previously a Professor of Economics at the University of Granada, Spain. He currently also serves as Director of the Financial Services Studies of Spanish Savings Banks Association (FUNCAS) and as President of the Rating Committee of Axexor. He has been advisor to the European Central Bank, the Federal Reserve Bank of Chicago, financial institutions, such as BMN, and has spoken at the G-20 forum.

Pedro Jesús Cuadros-Solas
 ws, UK.
 

Francisco Rodríguez-Fernández
 is Professor of Economics at the University of Granada, Spain. He is also a Senior Economist at the Spanish Savings Banks Foundation (FUNCAS). He has spent time as a visiting scholar at the University of Modena (Italy), Bangor Business School (UK) and the Federal Reserve Bank of Chicago (USA). He has served as a consultant to the European Commission, the European Research Framework Programme, the Spanish Ministry of Labour, KPMG and Euro 6000.