Ion Lapteacru LARE-efi, Université Bordeaux 4   Avenue Léon Duguit Pessac, 33608 France   ion.lapteacru@u-bordeaux4.fr         Primary Research Focus: Microeconomics of banking: namely, banking behaviour, banking strategies and their impact on economic growth.   JEL Areas: G2 : Financial Institutions and Services: General L1 : Market Structure, Firm Strategy, and Market Performance: General