Beck, Thorsten, Asli Demirgç-Kunt, and Maria Soledad Martinez Peria (2007) "Reaching Out: Access to and Use of Banking Services across Countries." Journal of Financial Economics 85 (1).
*  *  *  Mr Ettl, Mr Kumpfmüller, Ladies and gentlemen, Nine months ago to the day, the Finanzmarktaufsicht (Austrian financial market authority or FMA) issued two press releases announcing major “restructuring measures”. According to the FMA, banking supervision in the euro area would be built on “new foundations” in 2014 and the year would bring new tasks and challenges.