1. I. Abel, and J. Bonin (2000 ). 'Retail banking in Hungary: A foreign affair',William Davidson Institute Working Paper No. 356, Ann Arbor, MI: University of Michigan Business School.
2. M. Arellano, and S. Bond (1988 ). 'Dynamic panel data estimation using DPD: A guide for users',Technical Report 88/15, Institute for Fiscal Studies, London, UK.
3. Some Tests of Specification for Panel Data: Monte Carlo Evidence and an Application to Employment Equations