@misc{HilgertKrahnenMerletal.2011,
  author    = {Heinz Hilgert and Jan Pieter Krahnen and G{\"u}nther Merl and Helmut Siekmann},
  title     = {On a fundamental reorganisation of the Landesbanks and savings banks sector in Germany},
  institution = {Institute for Monetary and Financial Stability},
  series    = {Working Paper Series : Institute for Monetary and Financial Stability},
  number    = {44},
  year      = {2011}
}