@article{Berger1995,
	title = {The role of capital in financial institutions},
	author = {Allen N. Berger and Richard J. Herring and Giorgio P. Szeg{\"o}},
	journal = {Journal of Banking \& Finance},
	month = {Jun},
	number = {3-4},
	pages = {393--430},
	url = {http://www.sciencedirect.com/science/article/B6VCY-3YB56SM-1F/1/4a8bd128a8dac6d103149603d98eab2f},
	volume = {19},
	year = {1995},
	biburl = {http://www.bibsonomy.org/bibtex/2f42bf8a5542434357c8b07401b70d84d/smicha},
	description = {Journal of Banking & Finance},
	keywords = {Bank }
}