@Article{484389,
     author = "Małgorzata Olszak, Mateusz Pipień, Sylwia Roszkowska",
     title = "The Impact of Capital Ratio on Lending of EU Banks : the Role of Bank Specialization and Capitalization",
     year =  2016,
     volume =  11,
     number =  1,
     journal =  Equilibrium. Quarterly Journal of Economics and Economic Policy,
     pages =  s. 43-59,
    }