![Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile](https://www.researchgate.net/profile/Clas-Wihlborg/publication/277579404/figure/fig2/AS:350147394457601@1460493052618/Sources-of-changes-in-bank-capital-ratios-2009-2012-Normalized-to-percentage-points-of_Q320.jpg)
Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile
![Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile](https://www.researchgate.net/profile/Clas-Wihlborg/publication/277579404/figure/fig4/AS:350147394457603@1460493052928/The-bridge-toward-a-European-banking-union_Q320.jpg)
Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile
![Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile](https://www.researchgate.net/publication/288576817/figure/tbl1/AS:11431281117751128@1675531614787/Cross-sectional-correlation-coefficients-between-the-four-largest-Nordic-countries-for_Q320.jpg)
Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile
![Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile](https://www.researchgate.net/profile/P-Joakim-Westerholm/publication/229053139/figure/tbl1/AS:669492644429833@1536630893347/Descriptive-statistics-and-correlation-matrix-for-dependent-and-independent-variables_Q320.jpg)
Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile
![Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile](https://i1.rgstatic.net/ii/profile.image/379015174082561-1467375667401_Q512/Tom-Berglund.jpg)
Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile
![Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile Tom BERGLUND | Professor, Director Hanken Centre fot Corporate Governance | Dr. Econ.Sc. | Hanken School of Economics, Helsinki | Department of Economics | Research profile](https://www.researchgate.net/profile/Clas-Wihlborg/publication/277579404/figure/fig3/AS:350147394457602@1460493052644/The-theoretical-progress-to-a-strong-banking-union_Q320.jpg)