@articleUhde_Heimeshoff_2009, title=Consolidation in banking and financial stability in Europe: Empirical evidence, volume=33, DOI=https://doi.org/10.1016/j.jbankfin.2009.01.006, number=7, journal=Journal of Banking &; Finance, author=Uhde, André and Heimeshoff, Ulrich, year=2009, pages=1299–1311