bank	year	crisis	beta	price_to_book	beta_average_pre	beta_average_post	beta_average_2014	ptb_average_pre	ptb_average_post	ptb_average_2014
Australia & New Zealand Banking Corp	2000		0.63688	1.96571						
Australia & New Zealand Banking Corp	2006	0	0.28687	2.499119	0.5315422			2.476541		
Australia & New Zealand Banking Corp	2011	1	0.63732	1.488319		0.6743518			1.737089	
Australia & New Zealand Banking Corp	2014	1	0.70029	1.928577		0.6743518	0.7105875		1.737089	1.87962
BNP Paribas	2003	0	1.31498	1.152279	0.9923532			1.510217		
BNP Paribas	2009		0.87698	0.3641714						
BNP Paribas	2011	1	1.12779	0.6403224		1.273706			0.7099291	
BNP Paribas	2014	1	1.09065	0.7761015		1.273706	1.164001		0.7099291	0.7484725
Banco Santander	2005	0	0.66884	1.68365	1.033966			1.645937		
Banco Santander	2008		0.8624	1.080788						
Banco Santander	2010	1	1.19551	1.163254		1.062419			0.9053212	
Banco Santander	2014	1	1.00729	1.082908		1.062419	1.013028		0.9053212	1.122671
Banco do Brasil	2000		0.48158	0.537918						
Banco do Brasil	2004	0	0.71447	1.65311	0.7333221			1.729627		
Banco do Brasil	2014	1	0.96828	0.9938585		0.768646	1.022844		1.334934	0.992277
Banco do Brasil	2014	1	0.93459	0.9516254		0.768646	1.022844		1.334934	0.992277
Bank of Montreal	2006	0	0.13198	2.339785	0.3604943			2.189369		
Bank of Montreal	2009		0.6509	1.712825						
Bank of Montreal	2014	1	0.48314	1.626245		0.5341321	0.4958133		1.648861	1.680898
Bank of Montreal	2014	1	0.45811	1.642569		0.5341321	0.4958133		1.648861	1.680898
Bank of Nova Scotia	1999		1.0002	1.677112						
Bank of Nova Scotia	2007	0	0.2118	2.640399	0.4120343			2.496196		
Bank of Nova Scotia	2014	1	0.62441	1.968728		0.5494069	0.5850716		2.090498	1.90529
Bank of Nova Scotia	2014	1	0.63142	1.969003		0.5494069	0.5850716		2.090498	1.90529
Barclays PLC	2004	0	1.05847	2.204202	1.041886			2.105778		
Barclays PLC	2009		1.86441	0.1650058						
Barclays PLC	2012	1	1.78978	0.3863427		1.671484			0.6610826	
Barclays PLC	2014	1	1.25857	0.5962116		1.671484	1.199856		0.6610826	0.7244124
CM11-CIC Group	1998		0							
CM11-CIC Group	2006	0	0		0					
CM11-CIC Group	2010	1	0			0				
CM11-CIC Group	2014	1	0			0	0			
Commerzbank	2003	0	1.42156	1.10057	1.020108			1.046323		
Commerzbank	2014	1	1.14493	0.4615626		1.14196	1.086206		0.3510758	0.5218198
Commerzbank	2014	1	1.14943	0.5059885		1.14196	1.086206		0.3510758	0.5218198
Commerzbank	2015		0.98948	0.5265605						
Credit Agricole Group	2004	0	0.64115	1.341948	0.585875			1.249035		
Credit Agricole Group	2008		0.77766	0.4940856						
Credit Agricole Group	2010	1	1.35824	0.5321592		1.397356			0.46822	
Credit Agricole Group	2014	1	1.22975	0.5966207		1.397356	1.30149		0.46822	0.6103374
Credit Suisse Group	2005	0	0.85984	1.756947	1.229923			1.6576		
Credit Suisse Group	2009		1.83171	1.182557						
Credit Suisse Group	2013	1	1.50797	0.8495634		1.393982			1.077795	
Credit Suisse Group	2014	1	1.26797	1.11687		1.393982	1.158415		1.077795	0.9945934
Danske	1997		0.98998	1.538743						
Danske	2003	0	0.78589	1.29194	0.5839851			1.646893		
Danske	2013	1	0.71033	0.9037219		1.038338			0.8122138	
Danske	2014	1	0.7505	0.9940138		1.038338	0.7793081		0.8122138	0.9941935
Deutsche Bank	2005	0	0.88072	1.275092	1.005979			1.217089		
Deutsche Bank	2011	1	0.93386	0.7925431		1.166219			0.6194759	
Deutsche Bank	2014	1	0.93222	0.4921112		1.166219	1.028932		0.6194759	0.5572881
Deutsche Bank	2015		1.04729	0.5327824						
Groupe BPCE	2007	0	0		0.1942764			1.135		
Groupe BPCE	2014	1	1.13477	0.833487		0.6073835	0.5690475		0.3372529	0.7096298
Groupe BPCE	2014	1	1.05244	0.9887001		0.6073835	0.5690475		0.3372529	0.7096298
Groupe BPCE	2015		1.24456	0.9736279						
HSBC Holdings	1999		2.0175	1.532542						
HSBC Holdings	2007	0	0.22336	0.8632182	0.5500599			1.132996		
HSBC Holdings	2012	1	0.84822	0.6804792		0.82678			0.7201558	
HSBC Holdings	2014	1	0.68444	0.6503072		0.82678	0.7730612		0.7201558	0.6518977
ING Bank N.V.	2002	0	0		0			0		
ING Bank N.V.	2014	1	0			0	0		0	0
ING Bank N.V.	2014	1	0			0	0		0	0
ING Bank N.V.	2015		0							
Intesa Sanpaolo	1999		1.02676	0.0015216						
Intesa Sanpaolo	2002	0	0.99315		0.8898283			1.500537		
Intesa Sanpaolo	2010	1	1.07237	0.690725		1.233138			0.555025	
Intesa Sanpaolo	2014	1	1.19073	0.8085558		1.233138	1.219036		0.555025	0.8540954
Japan Post Bank	2004	0	0		0					
Japan Post Bank	2009		0	0						
Japan Post Bank	2013	1	0	0		0			0	
Japan Post Bank	2014	1	0	0		0	0		0	0
KfW	1998		0							
KfW	2004	0	0		0					
KfW	2011	1	0			0				
KfW	2014	1	0			0	0			
Lloyds Banking Group	1999		1.65931	6.540405						
Lloyds Banking Group	2006	0	0.53411	2.895586	0.8619043			2.802674		
Lloyds Banking Group	2011	1	1.2438	0.7095746		1.490726			0.9116427	
Lloyds Banking Group	2014	1	0.88016	1.157976		1.490726	0.9530544		0.9116427	1.242805
Mitsubishi Financial Group	1999		0							
Mitsubishi Financial Group	2006	0	1.04002	1.902555	1.190336			1.675815		
Mitsubishi Financial Group	2012	1	1.10863	0.5506158		1.32565			0.6660497	
Mitsubishi Financial Group	2014	1	1.53364	0.6603521		1.32565	1.509255		0.6660497	0.6832461
Mizuho Financial Group	2000		0							
Mizuho Financial Group	2005	0	2.10539	1.41902	1.54938			1.577675		
Mizuho Financial Group	2013	1	0.99912	0.9448091		1.245109			0.7319216	
Mizuho Financial Group	2014	1	1.12823	0.7544727		1.245109	1.159374		0.7319216	0.7208074
National Australia Bank	2005	0	0.38386	1.606138	0.4751832			2.1026		
National Australia Bank	2008		0.36879	2.032234						
National Australia Bank	2012	1	0.76702	1.3631		0.6928506			1.508295	
National Australia Bank	2014	1	0.63421	1.675294		0.6928506	0.6496882		1.508295	1.713015
Nordea Bank	1999		0.66117	7.873101						
Nordea Bank	2004	0	0.89917	12.2724	0.5744341			14.38113		
Nordea Bank	2011	1	0.64294	11.32725		0.7849343			11.20075	
Nordea Bank	2014	1	0.78123	12.83208		0.7849343	0.7562725		11.20075	12.72674
Norinchukin Bank	2001		0	0						
Norinchukin Bank	2005	0	0	0	0			0		
Norinchukin Bank	2010	1	0	0		0			0	
Norinchukin Bank	2014	1	0	0		0	0		0	0
Rabbobank Group	1999		0							
Rabbobank Group	2004	0	0		0					
Rabbobank Group	2011	1	0			0			0	
Rabbobank Group	2014	1	0			0	0		0	
Royal Bank of Canada	2006	0	0.21298	3.102928	0.3633018			2.586072		
Royal Bank of Canada	2012	1	0.53665	2.037365		0.5725257			2.248515	
Royal Bank of Canada	2014	1	0.55397	2.419091		0.5725257	0.5430504		2.248515	2.380195
Royal Bank of Canada	2015		0.64908	2.177416						
Royal Bank of Scotland	1997		1.211	1.708875						
Royal Bank of Scotland	2002	0	1.50609	1.537806	0.8985267			1.595691		
Royal Bank of Scotland	2011	1	1.91957	0.6531098		1.612879			0.5288367	
Royal Bank of Scotland	2014	1	1.55685	0.608146		1.612879	1.430799		0.5288367	0.6482376
Societe Generale	2001		0.86601							
Societe Generale	2002	0	1.28359	1.819312	1.103308			1.818107		
Societe Generale	2010	1	1.38027	0.6619594		1.577873			0.5282207	
Societe Generale	2014	1	1.64425	0.5562005		1.577873	1.585806		0.5282207	0.6049159
Standered Chartered	2001		1.15505	1.230004						
Standered Chartered	2007	0	0.74897	1.214063	0.9598609			1.270508		
Standered Chartered	2010	1	1.04129	1.080524		1.041529			0.8710195	
Standered Chartered	2014	1	0.95671	0.6623109		1.041529	0.8905581		0.8710195	0.6194415
Sumitomo Mitsui Financial	2000		0							
Sumitomo Mitsui Financial	2004	0	2.45179	1.290936	1.224157			1.743098		
Sumitomo Mitsui Financial	2013	1	1.18214			1.336431			0.7594409	
Sumitomo Mitsui Financial	2014	1	1.39023	0.8540553		1.336431	1.431708		0.7594409	0.8000878
Toronto-Dominon Group	1999		1.04179	2.130618						
Toronto-Dominon Group	2003	0	1.05084	2.23011	0.5196993			2.320489		
Toronto-Dominon Group	2011	1	0.55213	1.96514		0.5680834			1.792486	
Toronto-Dominon Group	2014	1	0.5531	1.9704		0.5680834	0.5098781		1.792486	1.96239
UBS Group AG	1998		-0.07185	0.8777083						
UBS Group AG	2004	0	1.15034	2.871184	0.9672313			2.579151		
UBS Group AG	2013	1	1.1972	1.23325		1.306485			1.214211	
UBS Group AG	2014	1	1.34294	1.266034		1.306485	1.259544		1.214211	1.313541
UniCredit S.p.A.	2007	0	0.68851		0.8317813			1.597536		
UniCredit S.p.A.	2009		1.39318	0.2697041						
UniCredit S.p.A.	2013	1	1.37126	0.365366		1.375026			0.4415242	
UniCredit S.p.A.	2014	1	1.40587	0.6167472		1.375026	1.376722		0.4415242	0.7079473
Westpac Banking	2004	0	0.36024	2.345978	0.4888977			2.657793		
Westpac Banking	2011	1	0.74541	1.645986		0.7181165			1.869596	
Westpac Banking	2014	1	0.78669	2.179238		0.7181165	0.7934439		1.869596	2.175886
Westpac Banking	2015		0.81242	2.418504						