5Aigner D J, Lovell CAK, Schmidt P. 1977. Formulation and Estimation of Stochastic Frontier Production Function Models.Journal of Econometrics, Vol. 6, pp. 21-37.
6Berger AN,Humphrey DB.1997.Efficiency of Financial Institutions : International Survey and Directions for Future Research.European Journal of Operational Research, Vol.98,pp. 175-212.
7Battese,G.E.and Collie,T.J,1995.A Model for Technical Inefficiency Effects in A Stochastic Frontier Production Function for Panel Data.Empirical Economics, Vol. 120,pp.325-332.
8Berger,A.N.,and DeYoung. 1997.Problem loans and cost efficiency in commercial banks.Journal of Banking and Finance, Vol. 21 (6), pp.849-870.
9Berger, A.N., and Mester, L, J. 1997.Inside the black box: What explains differences in the efficiencies of financial institutions?Journal of Banking and FinanceVol.21 (7),pp. 895-947.
10Berger, A.N., Cummins,D.B., and Weiss,M.1996. The coexistence of multiple distribution systems for financial services:The case of Property-liability Insurance.Working Paper,Wharton Financial Institutions Center,University of Pennsylvania.