1. Introduction
2. Risk management and banking business in Europe
3. Credit risk management and banking business in Europe
4. Banking efficiency in Europe
5. Capital constraints by regulation in Europe
6. Capital constraints by supervision in Europe
7. Bank regulation and supervision in Europe
8. Monetary policy, bank supervisory policy and economic growth in Europe
9. Capital raising in European banks
10. Banking regulation and supervision in the USA
11. Raising capital or improving risk management and efficiency in Europe?. .