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The halo effect in banking: evidence from local markets / Łukasz Kozłowski . Finance a úvěr.Roč. 68, č. 5 (2018), s. 416-441. Which came first, the chicken or the egg? Banks and firms on local banking markets / Krzysztof Jackowicz, Łukasz Kozłowski . Finance a úvěr.Roč. 66, č. 3 (2016), s. 182-206.