After the global financial crisis, banking regulation has gone through major changes but more might be coming. Capital and liquidity regulation has been reformed, thanks to Basel III, and new regulations to resolve systemically important banks have been developed both in the EU and the US. But structural changes in banking are still partly in progress, notably in the EU where the Commission is expected to come out this year on how it might take further the proposals of the High-Level Expert Group (HLEG). The regulatory changes are likely to affect banks” business models, and regulations on banks” structure would interfere with business models directly. This is the broad theme around which the fifth joint Bank of Finland-SUERF conference was centered in Helsinki, 13 June 2013. “Banking after regulatory reforms – business as usual?” attracted one hundred registered participants to follow the one-day program with three keynotes, four invited speakers, and a distinguished panel.