@incollection{,
	
					
					
					9B00397C7769EECCD41F047F83A43B4E
				,
	author={{Olarewaju, OdunayoMagret} and {Ekiti State University}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}161111
}

@incollection{b0,
	
	
		,
	title={{Commercial Banks Efficiency in Tanzania}}
		,
	author={{
			.JAikaeli
		}}
	
	
		,
	journal={{International Conference on Economic Development in Africa}}
		
			1
			,
	year={2008}
		
	

}

@incollection{b1,
	
	
		,
	title={{Performance Efficiency of the Jordanian Islamic Banks using Data Envelopment Analysis & Financial Ratio Analysis}}
		,
	author={{
			MMAjlouni
		} and {
			HOOmari
		}}
		
	
	
		,
	journal={{European Journal}}
		
			3
			1
			
			,
	year={2010}
		
	

}

@incollection{b2,
	
	
		,
	title={{Determinants of operating efficiency for lowly & highly competitive banks in Egypt}}
		,
	author={{
			HM HArmer
		} and {
			WMoustafa
		} and {
			TEldomiaty
		}}
		
		
	
	
		,
	journal={{Journal of Cambridge Business & Economics Conference}}
		
			33
			,
	year={2011. June}
		
	

}

@incollection{b3,
	
	
		,
	title={{The Nigerian Banking & Financial Environment: Bank of Nigeria}}
		,
	author={{
			OAyodele
		}}
	
	
		,
	journal={{Nigeria Banker}}
		
			4
			1
			
			,
	year={1988. Jan-June}
		
	

}

@incollection{b4,
	
	
		,
	title={{Finance & sources of growth}}
		,
	author={{
			TBeck
		} and {
			RLevine
		} and {
			LNorman
		}}
		
		
	
	
		,
	journal={{Journal of Monetary Economics}}
		
			46
			
			,
	year={2000}
		
	

}

@incollection{b5,
	
	
		,
	title={{Inside the black box: what explains differences in the efficiencies of financial institution}}
		,
	author={{
			ANBerger
		} and {
			LBMester
		}}
		
	
	
		,
	journal={{Journal of banking & finance}}
		
			21
			
			,
	year={1997}
		
	

}

@incollection{b6,
	
	
		,
	title={{Market discipline & the prevention of bank problems & failure}}
		,
	author={{
			RAEisenbeis
		} and {
			GGGilbert
		}}
		
	
	
		,
	journal={{Issues in banking regulation}}
		
			1
			3
			
			,
	year={1985}
		
	

}

@incollection{b7,
	
	
		,
	title={{The Behaviour of Stock-Market Prices}}
		,
	author={{
			EFFama
		}}
	
	
		,
	journal={{Journal of Business}}
		
			38
			1
			
			,
	year={1965}
		
	

}

@incollection{b8,
	
	
		,
	title={{Efficient Capital Markets: A Review of Theory & Empirical Work}}
		,
	author={{
			EFFama
		}}
	
	
		,
	journal={{Journal of Finance}}
		
			25
			3
			
			,
	year={1970}
		
	

}

@book{b9,
	
	
		,
	title={{Management of Banks & Financial Institutions}}
		,
	author={{
			JAFamiloni
		}}
		
			,
	year={2000}
			,
	publisher={Bab's Publication}
			,
	address={Ado-Ekiti}
		
	

}

@book{b10,
	
	
		,
	title={{Cost & profit Efficiency of the Turkish banking Industry: An empirical investigation. The financial review}}
		,
	author={{
			IIsik
		} and {
			MKHassan
		}}
		
		
			,
	year={2002}
			37
			
		
	

}

@incollection{b11,
	
	
		,
	title={{Efficiency, ownership & market structure, corporate control & governance in the Turkish banking industry}}
		,
	author={{
			IIsik
		} and {
			MKHassan
		}}
		
	
	
		,
	journal={{Journal of Business Finance & Accounting}}
		
			30
			
			,
	year={2003}
		
	

}

@book{b12,
	
	
		,
	title={{Determinants of Efficiency in Malaysian Banking Sector}}
		,
	author={{
			FIsmail
		} and {
			RRahim
		} and {
			MSMajid
		}}
		
		
		
			,
	year={2009}
			3
			
		
	

}

@incollection{b13,
	
	
		,
	title={{Efficiency analysis by using Data Envelop Analysis Model: Evidence from Indian Banks}}
		,
	author={{
			MKarimzadeh
		}}
	
	
		,
	journal={{International Journal of Finance}}
		
			2
			3
			
			,
	year={2012}
		
	
	,
	note={Economics & Science}

}

@incollection{b14,
	
	
		,
	title={{Risk in Banking & Capital Regulation}}
		,
	author={{
			DKim
		} and {
			PSantomero
		}}
		
	
	
		,
	journal={{The Journal of Finance}}
		
			43
			5
			
			,
	year={1988}
		
	

}

@incollection{b15,
	
	
		,
	title={{Operating performance of banks among Asian economies: An international & time series comparison}}
		,
	author={{
			SHKwan
		}}
	
	
		,
	journal={{Journal of Banking & Finance}}
		
			27
			
			,
	year={2003}
		
	

}

@incollection{b16,
	
	
		,
	title={{An Analysis of Inefficiencies in Banking}}
		,
	author={{
			SKwan
		} and {
			VEisenbeis
		}}
		
	
	
		,
	journal={{Journal of Banking & Finance}}
		
			19
			3-4
			
			,
	year={1995}
		
	

}

@book{b17,
	
	
		,
	title={{Fostering Development in an Era of financial & Economic Crises}}
		,
	author={{
			MNcube
		}}
		
			,
	year={2009. 2009}
			,
	address={Addis Ababa}
		
	
	,
	note={Efficiency in the Banking Sector in South Africa}

}

@incollection{b18,
	
	
		,
	title={{The sources of Efficiency in the Nigerian Banking Industry; A Two-Stage Approach}}
		,
	author={{
			FNObafemi
		} and {
			OSAyodele
		} and {
			FSEbong
		}}
		
		
	
	
		,
	journal={{International Journal of Finance & Banking Studies}}
		
			2
			4
			
			,
	year={2013}
		
	

}

@incollection{b19,
	
	
		,
	title={{Credit Risk, capital adequacy & operational efficiency of commercial banks in Kenya}}
		,
	author={{
			RMOdunga
		} and {
			PMNyangweso
		} and {
			DACarter
		} and {
			MMwarumba
		}}
		
		
		
	
	
		,
	journal={{International Journal o f Business & Management invention}}
		
			2
			9
			
			,
	year={2013}
		
	

}

@incollection{b20,
	
	
		,
	title={{Further Analysis of Bank Efficiency Correlates: The Nigerian Experience}}
		,
	author={{
			DMOke
		} and {
			IDPoloamina
		}}
		
	
	
		,
	journal={{Journal of Applied Finance & Banking}}
		
			2
			4
			
			,
	year={2012}
		
	

}

@incollection{b21,
	
	
		,
	title={{The implication of banks' profitability on implementing the risk based capital requirement}}
		,
	author={{
			SAOluyemi
		}}
	
	
		,
	journal={{NDIC Quarterly review}}
		
			2
			3
			
			,
	year={1996}
		
	

}

@book{b22,
	
	
		,
	title={{Capital adequacy ratios for banks-simplified explanation & examples for calculation}}
		
			,
	year={2004}
		
		
			Reserve Bank of New Zealand
		
	

}

@incollection{b23,
	
	
		,
	title={{Comparing the Change in Efficiency of the Western & Islamic Banking Systems}}
		,
	author={{
			ASaid
		}}
	
	
		,
	journal={{Journal of Money, Investment & Banking}}
		
			10
			23
			
			,
	year={2012}
		
	

}

@incollection{b24,
	
	
		,
	title={{Bahrain Commercial Bank's Performance during 1994-2001}}
		,
	author={{
			ASamad
		}}
	
	
		,
	journal={{Credit & Financial Management Review}}
		
			10
			1
			
			,
	year={2004}
		
	

}

@incollection{b25,
	
	
		,
	title={{Efficiency Determinants & Dynamic Efficiency changes in Latin American Banking Industries}}
		,
	author={{
			BSanchez
		} and {
			MKHassan
		} and {
			JRBartkus
		}}
		
		
	
	
		,
	journal={{Journal of Centrum Cathedra}}
		
			5
			2
			
			,
	year={2013}
		
	

}

@incollection{b26,
	
	
		,
	title={{Estimating the probability of failure for commercial banks & banking system}}
		,
	author={{
			AMSantomero
		} and {
			JDVinson
		}}
		
	
	
		,
	journal={{Journal of Banking & Finance}}
		
			1
			
			,
	year={1977}
		
	

}

@book{b27,
	
	
		,
	title={{The Nigerian banking industry: What went wrong & the way forward}}
		,
	author={{
			LSSanusi
		}}
		
			,
	year={2010}
		
	
	,
	note={Being an address delivered at the convocation Square}

}

@incollection{b28,
	
	
		,
	title={{Measurement of Technical Efficiency & its sources: An Experience of Indian Banking Sector}}
		,
	author={{
			SSharma
		} and {
			DRaina
		} and {
			SSingh
		}}
		
		
	
	
		,
	journal={{International Journal of Economics & Management}}
		
			6
			1
			
			,
	year={2012}
		
	

}

@book{b29,
	
	
		,
	title={{Regulation of Banks' Equity Capital. Economic review}}
		,
	author={{
			LDWall
		}}
		
			,
	year={1985, 4 th November}
			,
	address={Federal Reserve Bank of Atlanta}
		
	

}