Marcin Liberadzki is a professor at the Warsaw School of Economics (WSE), Institute of Finance, Poland. He holds master’s degrees in finance and banking (WSE) and law (the University of Warsaw, Faculty of Law, Poland), as well as a PhD in economic science from WSE. He conducts research on Basel III / CRD IV banking regulatory regime, contingent convertible bonds and bank resolution. He is participant of research projects financed by the National Science Centre and National Bank of Poland. As an attorney-at-law, he runs the legal firm delivering expertise to the largest Polish banks. Kamil Liberadzki is a professor at the Warsaw School of Economics. He graduated from the Warsaw School of Economics (Finance and Banking Faculty) and the Law Faculty at the Warsaw University, Poland. He lectures on investment banking, investment portfolio modelling, bonds and hybrid securities and financial mathematics. His expertise is on fixed income securities, including issue structuring, risk management and pricing. Liberadzki was a visiting professor an the University of Navarra (Spain) teaching and researching on bonds and hybrid securities. At present he is a director of the Regulation Development Department at the Polish Financial Supervision Authority. He is a member of the European Banking Authority (EBA) Standing Committee on Regulation and Policy (SCRePol) and an alternate member of the EBA Board of Supervisors (BoS).”