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Financial services industries and public authorities are facing many challenges after the last global crisis, the worst economic and financial crisis since the 1930s, which erupted in 2007-2008. This crisis entailed tremendous changes in the regulation and supervision of financial institutions. On the one hand the main aim of these changes is to restore public confidence and to prevent or at least reduce the public costs of such crises in the future. On the other hand it is always important to understand the impac...