Jaap Bos De Nederlandsche Bank   Supervision/Strategy De Nederlandsche Bank P.O. Box 98 Amsterdam, N-Holland 1000 AB Netherlands   j.bos@maastrichtuniversity.nl     Biographical Sketch: I am an economist at the Netherlands Central Bank. My main research interests include bank efficiency, competition, corporate governance and risk management   Primary Research Focus: Bank efficiency   JEL Areas: G2 : Financial Institutions and Services: General L1 : Market Structure, Firm Strategy, and Market Performance: General