@item {
    title = The effect of falling interest rates and yield curve to banks’ interest margin and profitability: cross-country evidence from the EU banks in the aftermath of 2008 financial crisis,
    author = Chagoshvili, Giorgi,
    year = 2019,
    url = http://hdl.handle.net/11544/29306,
    note = {Accessed: December 9, 2023}
}