@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},
  booktitle = {Working paper series / Institute for Monetary and Financial Stability ; 44},
  url       = {http://www.imfs-frankfurt.de/fileadmin/user_upload/pdf/WP_44_2011.pdf},
  institution = {Institute for Monetary and Financial Stability (IMFS)},
  series    = {Working paper series / Institute for Monetary and Financial Stability},
  number    = {44},
  type      = {workingpaper},
  year        = {2011},
}