@misc{Hackethal2003,
  author    = {Andreas Hackethal},
  title     = {German banks - a declining industry?},
  booktitle = {Center for Financial Studies (Frankfurt am Main): CFS working paper series ; No. 2003,27},
  number    = {This version March 2003},
  institution = {Center for Financial Studies (CFS)},
  series    = {CFS working paper series},
  number    = {2003, 27},
  type      = {workingpaper},
  year        = {2003},
}