<?xml version="1.0" encoding="UTF-8"?><xml><records><record><source-app name="Biblio" version="7.x">Drupal-Biblio</source-app><ref-type>17</ref-type><contributors><authors><author><style face="normal" font="default" size="100%">Karakostas Dimitrios</style></author><author><style face="normal" font="default" size="100%">Ioannis Tsakalos</style></author><author><style face="normal" font="default" size="100%">Athanasios Fassas</style></author><author><style face="normal" font="default" size="100%">Dimitris Kenourgios</style></author></authors></contributors><titles><title><style face="normal" font="default" size="100%">The Disciplinary Effect of Banking Supervision: Is the EU-wide 2023 Stress Test merely a Supervisory Formality?</style></title><secondary-title><style face="normal" font="default" size="100%">Journal of Banking Regulation</style></secondary-title></titles><dates><year><style  face="normal" font="default" size="100%">2026</style></year></dates><urls><web-urls><url><style face="normal" font="default" size="100%">https://doi.org/10.1057/s41261-025-00305-x</style></url></web-urls></urls><volume><style face="normal" font="default" size="100%">27</style></volume><language><style face="normal" font="default" size="100%">eng</style></language><issue><style face="normal" font="default" size="100%">5</style></issue></record></records></xml>