1. Bartlett, W. H. and Crapp, M. R. , (1977), “Performance Appraisal of Permanent Building Societies in NSW”, Management Forum, September, 1977.
2. Benston, G. J. , (1972), “Economies of Scale of Financial Institutions”, Journal of Money, Credit and Banking, May 1972.
3. Economies of Scale and Marginal Costs in Banking Operations;Benston;The National Banking Review,1965