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De Nicoló, G., Bartholomew, P., Zaman, J., & Zephirin, M. (2004). Bank Consolidation Internationalization and Conglomeration Trends and Implications for Financial Risk. Financial Markets, Institutions and Instruments, 13, 173-217.
https://doi.org/10.1111/j.0963-8008.2004.00076.x

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