APA (7th ed.) Citation

Focarelli, D., Panetta, F., & Salleo, C. (1999). Why do banks merge?

Chicago Style (17th ed.) Citation

Focarelli, Dario, Fabio Panetta, and Carmelo Salleo. Why Do Banks Merge? Rome, 1999.

MLA (9th ed.) Citation

Focarelli, Dario, et al. Why Do Banks Merge? 1999.