APA aipamena

De Nicolo, G., Bartholomew, P., Zaman, J., & Zephirin, M. (2003). Bank Consolidation, Internationalization, and Conglomeration: Trends and Implications for Financial Risk. International Monetary Fund.

Chicago Style aipamena

De Nicolo, Gianni, Philip Bartholomew, Jahanara Zaman, and Mary Zephirin. Bank Consolidation, Internationalization, and Conglomeration: Trends and Implications for Financial Risk. Washington, D.C.: International Monetary Fund, 2003.

MLA aipamena

De Nicolo, Gianni, et al. Bank Consolidation, Internationalization, and Conglomeration: Trends and Implications for Financial Risk. International Monetary Fund, 2003.