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Hagendorff, J. (2013-10-03). The Trends and Composition of Banking Risk across Europe. In Size, Risk, and Governance in European Banking. : Oxford University Press. Retrieved 8 Dec. 2019, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780199694891.001.0001/acprof-9780199694891-chapter-4.