APA (7th ed.) Citation

Osborne, M., Fuertes, A., & Milne, A. (2016). In good times and in bad: Bank capital ratios and lending rates.

Chicago Style (17th ed.) Citation

Osborne, Matthew, Ana-Maria Fuertes, and Alistair Milne. In Good Times and in Bad: Bank Capital Ratios and Lending Rates. 2016.

MLA (9th ed.) Citation

Osborne, Matthew, et al. In Good Times and in Bad: Bank Capital Ratios and Lending Rates. 2016.

Warning: These citations may not always be 100% accurate.