List of Tables List of Figures Preface Notes on the Contributors Synopses of Contributions Introduction: The Malta Connection; J.Falzon & E.P.M.Gardener Cost Economics and Efficiency in EU Banking Systems; Y.Altunbas, E.P.M.Gardener & P.Molyneux Relative Efficiencies and Productivity Indices: An Empirical Investigation of the Banking Sectors in Eight European Countries; M.Brown The Effects of Alternative Financial System Models on Corporate Governance; P.de Andrés-Alonso, V.Azofra-Palenzuela, F.J.L.Iturriaga & J.M.Rodriguez-Fernadez Market Share Dynamics and Instruments of Competition in the Portuguese Deposits Markets; P.S.de Pinho Specialisation and Competitiveness of the Spanish Savings Banks (1984-1995); J.M.Pastor & Francisco Pérez The Future of Relationship Banking; G.Bergendahl & T.Lindblom The Societal Responsibility of Banks: An Introduction to a Societal-Oriented Bank Management Theory; L.Schuster Adaptive Strategies by European Savings Banks: A Case Study of Spain; S.Carbo, E.P.M.Gardener, P.Molyneux & J.Williams Public Banks in France: Current Problems and Prospective Issues; J.Metais Economic and Monetary Union and Single Currency in Europe: Repercussions on Capital Markets and Stock Exchanges; F.Cesarini European Monetary Union: Issues in Supervision; E.Gualandri The Role of Independence in the European System of Central Banks: A Sufficient Condition for a Robust European Monetary Union?; A.Ellul EU, EMU and the Central and Eastern European Countries; S.Ligeti EMU, Adjustment and the Peripheral Regions: An Overview of Policy Issues; J.Falzon Index