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ALFREDO MARTIN OLIVER CV February 2011 NAME Alfredo Martín Oliver BIRTH May,30 th,1979. Balearic Islands (Spain) NATIONALITY Spanish WORK ADDRESS Departamento de Economía de la Empresa, Universidad de las Islas Baleares Ctra. Valldemossa, Km. 7.507122 Palma de Mallorca, Islas Baleares, SPAIN PHONE: +34-971-25-99-81 (office) FAX: +34-971-17-23-89 (office) E-mail: alfredo.martin@uib.es PROFESSIONAL ACTIVITIES Jan 2011 Present. University of Illes Balears Visiting Professor of Finance July 2003 Dec 2010. Bank of Spain Research Economist, Financial Stability Department ACADEMIC BACKGROUND 2010 Ph D. in Economics and Business, Universidad de Zaragoza Dissertation: Essays on intangible assets and market power of firms. Application to Spanish banks Supervisor: Vicente Salas Ph.D. Examining Committee: Manuel Espitia, Bartolomé Pascual, Jesús Saurina, Javier Suárez, Josep Tribó. 2003 M.S in Economics and Finance, CEMFI. Final mark: Distinction 2001 B.A. in Economcs, Universitat de les Illes Balears

AREAS OF RESEARCH Industrial Organization in Banking Interest rates: Search costs, market power and risk premium Production function and demand of banking services Efficiency Finance Securitization and credit risk transfer HONORS AND SCHOLARSHIPS 2002-2003 CEMFI maintenance scholarship (CEMFI) 2001 Prize to the Best Student obtaining the degree in Economics in the Balearic Community PUBLICATIONS International Publications (Reversed chronological order) 1. Investment and Intangibles: Evidence from banks. (con Vicente Salas-Fumás). Review of Income and Wealth, 2011, Forthcoming. 2. Informational differentiation, interest rate dispersion and market power (con Vicente Salas-Fumás y Jesús Saurina). Applied Economic Letters, 16 (16), 2009, 1645-1649. 3. Search Cost and Price Dispersion in Vertically Related Markets: The case of Bank Loans and Deposits (jointly with Vicente Salas-Fumás and Jesús Saurina). Review of Industrial Organization, 33, 4, 2008, 297-324.

4. The output and profit contribution of information technology and advertising investments in Banks (jointly with Vicente Salas-Fumás), Journal of Financial Intermediation, 17, 2008, 229 255 5. A test of the law of one price in retail banking (jointly with Vicente Salas-Fumás and Jesús Saurina), Journal of Money, Credit and Banking 39 (8), 2007, 2021 2040. 6. Risk premium and market power in credit makets (jointly with Vicente Salas-Fumás and Jesús Saurina). Economics Letters, 93 (3), 2006, 450-456. Working papers with anonymous referees 1. From Proximity to Distant Banking: Spanish Banks in the EMU. WP1008 Bank of Spain, 2010. 2. How do intangible assets create economic value? An application to banks (jointly with Vicente Salas-Fumás). WP0730 Bank of Spain, 2007. 3. Measurement of capital stock and input services of Spanish banks (jointly with Vicente Salas-Fumás and Jesús Saurina). WP0711 Bank of Spain, 2007. Others 1. Análisis de la dispersión de tipos de interés de los préstamos y depósitos bancarios (jointly with Vicente Salas-Fumás and Jesús Saurina). Revista de Estabilidad Financiera, 8, 2005, 127-150. 2. WORK IN PROGRESS 1. Productivity and profits of banks: A production function approach. Jointly with S.Ruano and V.Salas.

2. Loan securitization, access to funds and banks capital structures jointly with A.Almazán and J.Saurina 3. Imputed Interest Rates for Spanish Corporate Loans, jointly with J.A. López and J.Saurina. CONFERENCES (selected) August 2010 2010 Academy of Management Conference, Montreal, Canadá September 2009 36 th EARIE Conference, Ljubljana, Slovenia June 2009 2009 FMA European Conference, Turin, Italy April 2009 7 th International Industrial Organization Conference, Boston June 2008 27 th SUERF Colloquium, Munich, Germany June 2008 FMA European Conference, Prague, Czech Republic March 2008 International Financial Forum, Paris, France February 2008 Midwest Finance Association, San Antonio, Texas. November 2007 XV Foro de Finanzas, Palma de Mallorca, Spain September 2006 EARIE. Amsterdam, Netherlands. November 2005 XIII Foro de Finanzas, Madrid, Spain. December 2004. XII Foro de Finanzas, Barcelona, Spain October 2004 European Money and Finance Forum (SUERF), Madrid, Spain. TALKS (selected) IT and Advertising Investment in Banking, Senior Management Program in Banking, Swiss Finance Institute. October 2008, Madrid, Spain

PROFESSIONAL SERVICE Referee for Journal of Banking and Finance, Scandinavian Journal of Economics, Moneda y Crédito. Referee for ANEP projects (Ministerio de Ciencia e Innovación). Member of the sub-group on Stress Test in the Working Group on Macroprudential Analysis, European Central Bank Member of the sub-group on Credit Risk Transfer in the Working Group on Macroprudential Analysis, European Central Bank Member of the sub-group on Performance Measures for Banks in the Working Group on Developments in Banking, European Central Bank COURSES AND SEMINARS Structural Econometrics for Industrial Organization. CEMFI, Madrid, 2007. Central Banking Seminar. Federal Reserve Bank of New York. 2007. Theory and practice of efficiency and productivity measurement. Summer School for PhD and postdocs, Wageningen, Neatherlands, July 2006. FSA Annual International Regulators Seminar FSA, London, 2005.