@article{publication-11783,
	author={Degryse, Hans and Ongena, Steven},
	doi={10.1016/j.jfi.2007.03.002},
	issn={1042-9573},
	journal={Journal of Financial Intermediation},
	number=3,
	pages={399-424},
	publisher={Elsevier},
	title={The impact of competition on bank orientation},
	volume=16,
	year=2007,
}