... 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 ... performance ofdissimilarities in earnings, loan and deposit strategies, whereas differences in theircapitalisation and investment in technology and financial innovation were found toimprove ... difficulties in integratinginstitutions with widely different strategic orientation. These findings fit well with theprocess of financial consolidation observed in recent years in the European...