... capital in financialinstitutions, Journal of Banking and Finance 19, pp. 393-430.Berger, A. N. (1995), The relationship between capital and earnings in banking, Journalof Money, Credit, and Banking ... light on the process of financial consolidation in theEuropean Union by assessing whether strategic and organisational fit between financialinstitutions involved in mergers and acquisitions plays ... performance ofdissimilarities in earnings, loan and deposit strategies, whereas differences in theircapitalisation and investment in technology and financial innovation were found toimprove...