1. Allen, J., & Liu, Y. (2007). Efficiency and economies of scale of large Canadian banks. Canadian Journal of Economics, 40(1), 225–244.
2. Amel, D., Barnes, C., Panetta, F., & Salleo, C. (2004). Consolidation and efficiency in the financial sector: A review of the international evidence. Journal of Banking & Finance, 28(10), 2493–2519.
3. Arellano, M., & Honore, B. (2001). Panel data models: Some recent developments. In J. J. Heckman & E. Leamer (Eds.), Handbook of Econometrics (chap. 53) (Vol. 5, pp. 3229–3290). Amsterdam: Elsevier.
4. Bai, J. (2009). Panel data models with interactive fixed effects. Econometrica, 77(4), 1229–1279.
5. Bauer, P., Berger, A., & Humphrey, D. (1993). Efficiency and productivity growth in US banking. In H. Fried & C. Lovell (Eds.), The measurement of productive efficiency: Techniques and applications (pp. 386–413). New York: Oxford University Press. S S.