AKHAVEIN, J.D. ET AL. (1997), The effects of megamergers on efficiency and prices: evidence from a bank profit function, Review of Industrial Organisation 12, pp. 95-139.
AMEL, D. ET AL. (2002), Consolidation and efficiency in the financial sector: a review of the international evidence, Federal Reserve Board, Finance and Economics Discussion Series, No. 47.
ANDRES, J. ET AL. (1999), The role of the financial system in the growth-inflation link: the OECD experience, Banco de Espafla, Servicio de Estudios, Documento de Trabajo No. 9920, October.
BAELE, L. ET AL. (2004), Measuring financial integration in the euro area, European Central Bank, Occasional Paper Series, No. 14, April.
BECK, T. AND R. LEVINE (2004), Stock markets, banks, and growth: panel evidence, Journal of Banking & Finance, No. 28, pp. 423-442.
BECK, T. ET AL. (2000), Finance and the sources of growth, Journal of Financial Economics, Vol. 58, pp. 26 1-300.
BECK, T. ET AL. (2003), Bank concentration and crisis, NBER Working Paper 9921, August.
BERGER, A.N. (2003), The economic effects of technological progress: evidence from the banking industry, Journal of Money, Credit, and Banking, Vol.35, No.2, pp. 14 1-176, April.
BERGER, A.N. AND R. DEYOUNG (2000), The effects on geographic expansion on bank efficiency, FEDS Working Paper No.1-03, November.
BERGER, A.N. ET AL. (2000), Efficiency barriers to the consolidation of the European financial services industry, Federal Reserve System, Finance and Economics Discussion Series, No. 37, June.
- BERGER, A.N. ET AL. (2001), The ability of banks to lend to informationally opaque small businesses, World Bank Working Papers, No. 2656, August.
Paper not yet in RePEc: Add citation now
BERTRAND, M. AND S. MULLAINATHAN (2003),Enjoying the quiet life? Corporate governance and managerial preferences, Journal of Political Economy, Vol. 111, No. 5, pp. 1043-1075.
BONACCORSI DI PATTI, E. AND G. GOBBI (2002), Winners or losers? The effects of banking consolidation on corporate borrowers, preliminary version December 2002, presented at the second workshop at the ECB-CFS Research Network on Capital Markets and Financial Integration in Europe in Helsinki, March 2003.
BOOT, A.W.A. (1999), European lessons on consolidation in banking, Journal of Banking & Finance 23, pp. 609-6 13. - 43 -BROUWER, H. ET AL. (2000), Report on financial stability - prepared by the ad hoc working group of the Economic and Financial Committee, European Commission, General Directorate for Economic and Financial Affairs, Economic Paper, No. 143, May.
BUCH, C.M. AND G.L. DELONG (2001), Cross-border bank mergers: what lures the rare animal?, Kiel Working Paper, No. 1070, August.
CABRAL, I. ET AL. (2002), Banking integration in the euro area, European Central Bank, Occasional Paper Series No. 6, December.
CLAESSENS, S. ET AL. (2001), How does foreign entry affect domestic banking markets?, Journal of Banking & Finance 25, pp. 891-911.
CLARKE, G. ET AL. (2001), Foreign bank entry: experience, implications for developing countries, and agenda for further research, World Bank Policy Research Working Paper, No. 2698, October CORVOISIER, S. AND R. GROPP (2001), Bank concentration and retail interest rates, European Central Bank working paper series, No. 72, July.
- CRYSTAL, J.S. et al. (2002), Has foreign bank entry led to sounder banks in Latin America?, Federal Reserve Bank of New York, Current Issues in Economics and Finance, Vol. 8, No.1, January DE HAAS, R. AND I. VAN LELYVELD (2003), Foreign banks and credit stability in central and eastern Europe: friends of foes, De Nederlandsche Bank, MEB Series No. 200304, Research Series Supervision No. 58, May.
Paper not yet in RePEc: Add citation now
- DERMINE, J. (2002), Banking in Europe: past, present and future, in: The transformation of the European financial system, Second ECB central banking conference, pp 32-95, October.
Paper not yet in RePEc: Add citation now
DEYOUNG, R. AND G. WHALEN (1994), Banking industry consolidation: efficiency issues, presented at the Jerome Levy Economics Institute Conference, April 14-16, 1994.
- EUROPEAN CENTRAL BANK (2004), Structural analysis of the EU banking sector - year 2003, November.
Paper not yet in RePEc: Add citation now
- EUROPEAN CENTRAL BANK (2005), Banking structures in the new EU Member States, January.
Paper not yet in RePEc: Add citation now
- EUROPEAN COMMISSION (2004a), EMILI and the process of financial integration, in: EMU after 5 years, European Commission, Directorate General for Economic and Financial Affairs, European Economy Special Report, Part III, No. 1.
Paper not yet in RePEc: Add citation now
- EUROPEAN COMMISSION (2004b), Financial integration monitor, Commission Staff Working Document, Directorate General Internal Market.
Paper not yet in RePEc: Add citation now
FOCARELLI, D. AND F. PANETTA (2002), Are mergers beneficial to consumers? Evidence from the market for bank deposits, Banca d'Italia temi di discussione, No. 448, July.
GOLDBERG, L. (2001), When is US bank lending to emerging markets volatile?, NBER Working Paper, No. 8209, April. - 44 -GOLDBERG, L. ET AL. (2000), Foreign and domestic bank participation in emerging markets: lessons from Mexico and Argentina, NBER Working Paper, No. 7714.
- GROUP OF TEN (2001), Report on consolidation in the financial sector, January.
Paper not yet in RePEc: Add citation now
HAYNES, M. AND S. THOMPSON (1999), The productivity effects of bank mergers: evidence from the UK building societies, Journal of Banking & Finance 23, pp. 825-846.
HEINEMANN, F. AND M. JOPP (2002), The benefits of a working European retail market for financial services, Report to European financial services round table, Institut f
HUGHES, J.P. ET AL. (1999), The dollars and sense of bank consolidation, Wharton Working paper series, No. 04.
HUGHES, J.P. ET AL. (2003), Do bankers sacrifice value to build empires? Managerial incentives, industry consolidation, and financial performance, Journal of Banking & Finance 27, pp. 417-447.
- HUIZINGA, H.P. ET AL. (2001), Efficiency effects of bank mergers and acquisitions in Europe, Tinbergen Institute Discussion Paper, No. 088/3.
Paper not yet in RePEc: Add citation now
- HYVARINEN, J. (2002), EU competition policy - a small country perspective, The Finnish Economy and Society, (1), pp. 69-75.
Paper not yet in RePEc: Add citation now
KAAS, L. (2003), Financial market integration and loan competition: when is entry deregulation socially beneficial?, Version November 11, presented in the Third Workshop of the ECB-CFS Research Network on Capital markets and financial integration in Europe, 20-21 November, Athens.
KARCESKI, J. ET AL. (2000), The impact on bank consolidation on commercial borrower welfare, Board of Governors of the Federal Reserve System, International Finance Discussion Papers, No. 679, August.
KING, R.G. AND R. LEVINE, (1993), Finance, entrepreneurship, and growth - theory and evidence, Journal of Monetary Economics 32, pp. 5 13-542.
KWAN, S.H. AND J.A. WILCOX (1999), Hidden cost reductions in bank mergers: accounting for more productive banks, Working papers in applied economic theory, No. 10, Federal Reserve Bank of San Francisco.
- LAMFALUSSY, A. ET AL. (2001), Final report of the committee of wise men on the regulation of European securities markets, Brussels, 15 February.
Paper not yet in RePEc: Add citation now
LEAHY, M. ET AL. (2001), Contributions of financial systems to growth in OECD countries, OECD, Economics Department Working Papers, No. 280, March.
LENSINK, R. AND N. HERMES (2004), The short-term effects of foreign bank entry on domestic bank behaviour: does economic development matter?, Journal of Banking & Finance 28, pp. 553-568. - 45 -LEVINE, R. (1997), Financial development and economic growth: views and agenda, Journal of Economic Literature, Vol. 35, June, pp. 688-726.
LEVINE, R. (2003), Denying foreign bank entry: implications for bank interest margins, Central Bank of Chile Working Papers, No. 222, August LEVINE, R. and S. ZERVOS (1998), Stock markets, banks, and economic growth, American Economic Review, Vol. 88, No.3, June, pp. 537-558.
LEVINE, R. ET AL. (2000), Financial intermediation and growth: causality and causes, Journal of Monetary Economics, No. 46, pp. 3 1-77.
MANNA, M. (2004), Developing statistical indicators of the integration of the euro area banking system, ECB Working Paper Series, No. 300, January.
MARQUEZ, R. (2002), Competition, adverse selection, and information dispersion in the banking industry, The Review of Financial Studies, Vol.15, No.3, pp. 901-926.
MARTINEZ PERIA, M. 5. (2002), Banking on foreigners: the behaviour of international bank lending to Latin America: 1985-2000, World Bank Policy Research Working Paper Series, No. 2893.
MONTGOMERY, H. (2003), The role of foreign banks in post-crisis Asia: the importance of method of entry, ADB Institute Research Paper Series, No. 51, January.
MORGAN, D.P. ET AL. (2003), Bank integration and state business cycles, NBER Working Paper, No. 9704, May.
- NORDEA (2003), Nordea reduces complexity in its legal structure by forming one European company, Press release, 19 June. OECD (1995), Transfer pricing guidelines for multinational enterprises and tax administrations, Paris.
Paper not yet in RePEc: Add citation now
PEEK, J. AND E.S. ROSENGREN (1997a), The international transmission of financial shocks: the case of Japan, American Economic Review, Vol. 87, No. 4, September, pp. 495505.
PEEK, J. AND E.S. ROSENGREN (1997b), Bank consolidation and small business lending: it's not just bank size that matters, prepared for the conference The economics of small business finance, at New York University Stern School of Business, May 22-23, 1997.
PEEK, J. AND E.S. ROSENGREN (2000), Implications of the globalization of the banking sector: the Latin American experience, New England Economic Review, September/October.
- PILLOFF, S.J. AND A.M. SANTOMERO (1997), The value effects of bank mergers and acquisitions, Wharton working paper series, No. 07.
Paper not yet in RePEc: Add citation now
PRAGER, R.A. AND T.H. HANNAN (1998), Do substantial horizontal mergers generate significant price effects? Evidence from the banking industry, The Journal of Industrial Economics, Vol. XLVI, No. 4, December, pp. 433-452. - 46 -RAES, J.-P. (2003), Restrictions on foreign ownership: European Community and International Framework, Paper presented at the Conference: The internationalisation of ownership of assets in EMU - causes and consequences, Brussels, February.
RAJAN, R. AND L. ZINGALES (1998), Financial dependence and growth, American Economic Review, Vol. 88, No. 3, June, pp. 559-5 86.
RAJAN, R. AND L. ZINGALES (2001), The great reversals: the politics of financial development in the 20th century, NBER Working Paper, No. 8178, March.
RAJAN, R. AND L. ZINGALES (2003), Banks and markets: the changing character of European finance, NBER Working Paper, No. 9595, March.
- RHOADES, S.A. (1994), A summary of merger performance studies in banking, 1980-93, and an assessment of the `operating performance' and `event study' methodologies, Federal Reserve Board, Staff Studies, No. 167, July.
Paper not yet in RePEc: Add citation now
SAPIENZA, P. (2002), The effects of banking mergers on loan contracts, The Journal of Finance, Vol. LVII, No.1, pp. 329-367, February.
- SCHENK, H. (2000), On the performance of banking mergers - some propositions and policy implications, Paper presented at the LTNI conference on `Mergers and takeovers: implications on employment, consumers and shareholders', London, 23-24 October.
Paper not yet in RePEc: Add citation now
- SCHICH, S. AND A. KIKUCHI (2003), European banking and stock market integration, in Financial Market Trends, OECD, No.84, March.
Paper not yet in RePEc: Add citation now
SCHULER, M. (2003), Incentive problems in banking supervision - The European case, Centre for European Economic Research (ZEW), Mannheim, October.
- SCOTT, J.A. AND W.C. DLfNKELBERG (2003), Banking mergers and small firm financing, Journal of Money, Credit and Banking, Vol. 35, No. 6, pp. 999-1017, December.
Paper not yet in RePEc: Add citation now
SIMONS, K AND J. STAVINS (1998), Has antitrust policy in banking become obsolete?, New England Economic Review, pp.1 3-26, MarchlApril.
- SMITS, J. (1998), A European private law as a mixed legal system, Maastricht Journal of European and Comparative Law, No. 5, p. 328-340.
Paper not yet in RePEc: Add citation now
- SOLEDAD MARTINEZ PERIA, M. ET AL. (2002), Banking on foreigners: the behavior of international bank lending to Latin America 1985-2000, World Bank, Policy Research Working Paper Series, No. 2893.
Paper not yet in RePEc: Add citation now
- STANDARD & POORS (2001), European banking consolidation: Time-Out?, Commentary by Yves Burger, 25 October.
Paper not yet in RePEc: Add citation now
- STANDARD & POORS (2003), Report published on differences in bank asset quality accounting across Europe, Press release, 3 April.
Paper not yet in RePEc: Add citation now
STIROH, K.J. AND P.E. STRAHAN (2003), Competitive dynamics of deregulation: evidence from US banking, Journal of Money, Credit, and Banking, Vol. 35, No. 5, October, pp. 801-828.
- THE BANKER (2000), Globalisation takes hold, internet edition, 1 February 2000. -47 -THE ECONOMIST (1989), In the balance - a survey of Europe's capital markets, 16 December.
Paper not yet in RePEc: Add citation now
THIEL, M. (2001), Finance and economic growth - a review of theory and the available evidence, European Commission, Directorate General for Economic and Financial Affairs, Economic Paper, No. 158, July.
- VANDER VENNET, R. (2002), Cross-border mergers in European banking and bank efficiency, Universiteit Gent Working Paper, No. 152, September.
Paper not yet in RePEc: Add citation now
- WALL STREET JOURNAL EUROPE (2003), Europe's banks expand by taking small bites, 10 November. -48-
Paper not yet in RePEc: Add citation now