... to exceed unity. Journal of Financial Stability 8 (2012) 43– 56Contents lists available at ScienceDirect Journal of Financial Stability journal homepage: www.elsevier.com/locate/jfstabilCyclical ... patient? Journal of Financial Intermediation 15, 395–417.Heid, F., December 2007. The cyclical effects of the Basel II capital requirements. Journal of Banking ... requirements. Journal of Monetary Economics 55, 298–320.VanHoose, David, December 2007. Theories of bank behavior under capital regula-tion. Journal of Banking...