4Asli Demirguc - Kunt, Luc Laeven, and Ross Levine, 2003, "Regulations, Market Structure, Institutions, and the Cost of Financial Intermediation", NBER Working Papers 9890, National Bureau of Economic Research, Inc.
5Berger, A., and L. Mester, 1997b, "Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?"Joumal of Barddag and Finance, 21.
6Bryan, Lowell L., 1988, "Breaking up the Bank : Rethinking an Industry Under Siege", Richard D. Irwin,INC.
7Farrell, M.J., 1957, "The measurement of Productive Efficiency", Journal of the Royal Statistical Society, Vol. 120, pp.253-281.
8Merton, R.C., 1995, "A Functional Perspective of Financial lntemaediation", Financial Management, Vo124(2) :23 - 42.
9Short, B., 1979, "'The Relation Between Conwnercial Bank Profit Rates and Banking Concentration in Canada, Western Europeand Japan", Journal of Banking and Finanoe3.
