@incollection{,
	
					
					
					BEA89FA4CEDB3C03F14D6C0092975C49
				,
	author={{FrankPrah} and {FrankPrah} and {Bank of Ghana}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1745781
}

@incollection{b0,
	
	
		,
	title={{Explaining Interest Rate Spreads in Ghana}}
		,
	author={{
			AQ QAboagye
		} and {
			SKAkoena
		} and {
			TOAntwi-Asare
		} and {
			AFGockel
		}}
		
		
		
	
	
		,
	journal={{African Development Review}}
		
			20
			,
	year={2008}
		
	
	,
	note={Issue 3}

}

@incollection{b1,
	
	
		,
	title={{Cost Efficiency of Ghana's Banking Industry: A Panel Data Analysis}}
		,
	author={{
			AAdjei-Frimpong
		} and {
			CGan
		} and {
			BHu
		}}
		
		
	
	
		,
	journal={{The International Journal of Business and Finance Research}}
		
			8
			2
			,
	year={2014}
		
	

}

@book{b2,
	
	
		,
	title={{A Study of Efficiencies of Ghanaian Banks}}
		,
	author={{
			SKAkoena
		} and {
			AQAboagye
		} and {
			TOAntwi-Asare
		} and {
			FAGockel
		}}
		
		
		
		
			,
	year={2009}
		
	
	,
	note={A paper presented at the CSAE conference in 2009}

}

@book{b3,
	
	
		,
	title={{A study of Efficiencies of Ghanaian Banks}}
		,
	author={{
			SKAkoena
		} and {
			AQAboagye
		} and {
			TOAntwi-Asare
		} and {
			FAGockel
		}}
		
		
		
		
			,
	year={2009}
		
	
	,
	note={A paper presented at the CSAE conference in 2009}

}

@incollection{b4,
	
	
		,
	title={{The Mathematical Programming Approach to Efficiency Measurement}}
		,
	author={{
			AIAli
		} and {
			LMSeiford
		}}
		
	
	
		,
	booktitle={{The Measurement of Productive Efficiency: Techniques and Applications}}
				,
	editor={
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	publisher={Oxford University Press}
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	year={1993}
		
	

}

@incollection{b5,
	
	
		,
	title={{Some Models for Estimating Technical and Scale Inefficiencies in Data Envelopment Analysis}}
		,
	author={{
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		} and {
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			WWCooper
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}

@incollection{b6,
	
	
		,
	title={{Interest Spreads in Banking in Colombia}}
		,
	author={{
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			RobertoSteiner
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	journal={{Staff Papers, International Monetary Fund}}
		
			46
			
			,
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}

@incollection{b7,
	
	
		,
	title={{The Determination of Bank Interest Spreads in Ghana: An Empirical Analysis of Panel Data}}
		,
	author={{
			Bawumia
		} and {
			Mahamudu
		} and {
			FranklinBelny
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			MartinEOfori
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	journal={{European Journal of Operational Research}}
		
			6
			
			,
	year={2005}
		
	
	,
	note={Bank of Ghana Working Paper, WP/MPAD/BOG-05/09. Units}

}

@book{b8,
	
	
		,
	author={{
			ACharnes
		} and {
			WWCooper
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			AYLewin
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		,
	title={{Data envelopment analysis: Theory Methodology and Applications. Boston7 Kluwer}}
				
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	publisher={Academic Publisher}
			,
	year={1995}
		
	

}

@incollection{b9,
	
	
		,
	title={{Foundations of Data Envelopment Analysis for Pareto-Koopmans Efficient Empirical Production Functions}}
		,
	author={{
			ACharnes
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}

@book{b10,
	
	
		,
	title={{Bank Efficiency in Sub-Saharan African Middle Income Countries}}
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	author={{
			ChenChuling
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			,
	year={2009}
			,
	publisher={International Monetary Fund}
			,
	address={Washington, DC}
		
	
	,
	note={IMF Working Papers 09/14}

}

@incollection{b11,
	
	
		,
	title={{Measurement and Efficiency Issues in Commercial Banking}}
		,
	author={{
			ANBerger
		} and {
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	editor={Z. Grilliches}
		
			56
			
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			University of Chicago
		
	
	,
	note={Output Measurement in the Service Sector}

}

@incollection{b12,
	
	
		,
	title={{Measurement and Efficiency Issues in Commercial Banking}}
		,
	author={{
			ANBerger
		} and {
			DBHumphrey
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		,
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		,
	editor={Z. Grilliches}
		
			56
			
			,
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			Chicago7 University of Chicago
		
	
	,
	note={Output Measurement in the Service Sector}

}

@incollection{b13,
	
	
		,
	title={{Explaining the dramatic Changes in Performance of U.S. Banks: Technical Change, Deregulation, and Dynamic Changes in Competition}}
		,
	author={{
			ANBerger
		} and {
			LJMester
		}}
		
	
	
		,
	journal={{Journal of Financial Intermediation}}
		
			12
			
			,
	year={2003}
		
	

}

@incollection{b14,
	
	
		,
	title={{Inside the Black Box: What Explains Differences in the Efficiencies of Financial Institutions?}}
		,
	author={{
			ANBerger
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		,
	journal={{Journal of Banking and Finance}}
		
			21
			
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}

@incollection{b15,
	
	
		,
	title={{The Competitiveness of Commercial Banks in Ghana}}
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	author={{
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		,
	journal={{African Development Review}}
		
			23
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}

@book{b16,
	
	
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		,
	author={{
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		} and {
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		WP/05/17
		
			,
	year={2005}
		
	

}

@book{b17,
	
	
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		} and {
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		,
	title={{Financial Liberalization: how far how fast}}
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			,
	publisher={Cambridge University Press}
			,
	year={2001}
		
	

}

@book{b18,
	
	
		,
	title={{Measuring the Efficiency of Decision Making}}
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}

@incollection{b19,
	
	
		,
	title={{Branch Banking and Economies of Scale}}
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	journal={{The Journal of Finance}}
		
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}

@incollection{b20,
	
	
		,
	title={{Banking efficiency in China: Application of DEA to Pre-and Post-deregulation Eras: 1993-2000}}
		,
	author={{
			XChen
		} and {
			MSkully
		} and {
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		}}
		
		
	
	
		,
	journal={{China Economic Review}}
		
			16
			
			,
	year={2005. 2005}
		
	

}

@incollection{b21,
	
	
		,
	title={{A Computer Program for Stochastic Frontier Production and Cost Function Estimation}}
		,
	author={{
			TCoelli
		}}
	
	
		,
	booktitle={{CEPA Working Paper 96/07, Centre for Efficiency and Productivity Analysis}}
				
			,
	year={1996}
		
	

}

@book{b22,
	
	
		,
	title={{An Introduction to Efficiency and Productivity Analysis}}
		,
	author={{
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		} and {
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	year={1998}
			,
	publisher={Kluwer Academic Publishers}
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	address={Boston}
		
	

}

@incollection{b23,
	
	
		,
	title={{A Comparison of Parametric and Non-Parametric Distance Functions: With Application to European Railways}}
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	author={{
			TimCoelli
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		,
	journal={{European Journal of Operational Research}}
		
			117
			
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}

@incollection{b24,
	
	
		,
	title={{Australian Mutual Fund Performance Appraisal Using Data Envelopment Analysis}}
		,
	author={{
			UADon
		} and {
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		}}
		
		
	
	
		,
	journal={{Journal of Managerial Finance}}
		
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}

@incollection{b25,
	
	
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	title={{Efficiency in Japanese banking: An empirical analysis}}
		,
	author={{
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		} and {
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		,
	journal={{Journal of Banking & Finance}}
		
			27
			
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}

@incollection{b26,
	
	
		,
	title={{Efficiency in Japanese Banking: An Empirical Analysis}}
		,
	author={{
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		} and {
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		}}
		
	
	
		,
	journal={{Journal of Banking & Finance}}
		
			27
			
			,
	year={2003. 2003}
		
	

}

@incollection{b27,
	
	
		,
	title={{Bank modelling methodologies: A comparative nonparametric analysis of efficiency in the Japanese banking sector}}
		,
	author={{
			LDrake
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	journal={{Journal of International Financial Markets}}
		
			19
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			,
	year={2009. February 2009}
		
	
	,
	note={Institutions and Money}

}

@incollection{b28,
	
	
		,
	title={{The impact of macroeconomic and regulatory factors on bank efficiency: A non-parametric analysis of Hong Kong's banking system}}
		,
	author={{
			LDrake
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	journal={{Journal of Banking and Finance}}
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@incollection{b30,
	
	
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	title={{The Effect of Risk-Based Capital Requirements on Profit Efficiency In Banking}}
		,
	author={{
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		,
	journal={{Applied Economics}}
		
			36
			
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}

@incollection{b31,
	
	
		,
	title={{The Measurement of Productive Efficiency}}
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		,
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@incollection{b32,
	
	
		,
	title={{Investigating Efficiency of Ghana Banks: A Non-parametric Approach}}
		,
	author={{
			JMFrimpong
		}}
	
	
		,
	journal={{American Journal of Scientific Research}}
		
			7
			
			,
	year={2010}
		
	

}

@incollection{b33,
	
	
		,
	title={{Financial Sector Competition in West African Economic and Monetary Union'. CERDI Document De Travail De La Serie}}
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	author={{
			FlorianLeon
		}}
	
	
		,
	journal={{Etudes et Documents}}
		
			14
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	year={2012. 2012}
		
	

}

@book{b34,
	
	
		,
	title={{Slacks-based Efficiency Measures for Predicting Bank Performance}}
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	author={{
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		}}
		
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	,
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}

@incollection{b35,
	
	
		,
	title={{Investigating Efficiency of Ghana Banks: A Non-parametric Approach}}
		,
	author={{
			JMFrimpong
		}}
	
	
		,
	journal={{American Journal of Scientific Research}}
		
			7
			
			,
	year={2010}
		
	

}

@incollection{b36,
	
	
		,
	title={{Banking Efficiency and Competition in Low Income Countries: The Case of Uganda}}
		,
	author={{
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	journal={{Journal of Applied Economics}}
		
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@book{b37,
	
	
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	title={{Measuring Bank Efficiency in Developing Countries: The Case of West African Economic Monetary Union}}
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	author={{
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	year={2007. May 2007}
		
	
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	note={African Economic Research Consortium}

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@book{b38,
	
	
		,
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@book{b39,
	
	
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	title={{Impact of Financial Sector Liberalization on Competition and Efficiency in the Ghanaian Banking Industry}}
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	author={{
			KBKorsah
		} and {
			EKNyarko
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			NATagoe
		}}
		
		
		
		
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	year={2001}
		
	

}

@incollection{b40,
	
	
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	title={{Evaluation of technical efficiency and ranking of public sector banks in India: An analysis from cross-sectional perspective}}
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	author={{
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	journal={{International Journal of Productivity and Performance Management}}
		
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	year={2008}
		
	

}

@incollection{b41,
	
	
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	title={{Measuring efficiency, effectiveness and performance of Indian public sector banks}}
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	author={{
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	journal={{International Journal of Productivity and Performance Management}}
		
			59
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@incollection{b42,
	
	
		,
	title={{The Impact of Financial Liberalization on the Performance of Thai Banks}}
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	author={{
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	journal={{Journal of Economics and Business}}
		
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@book{b43,
	
	
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	year={1993}
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@incollection{b44,
	
	
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	title={{Consequences of Omitting Relevant Inputs on the Quality of the Data Envelopment Analysis under Different Input Correlation Structures}}
		
	
	
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	note={Analysing the Promised Effect of Liberalization on Banking Sector Efficiency in Ghana 35}

}

@incollection{b45,
	
	
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	title={{Linear Programming Approaches to the Measurement and Analysis of Productive Efficiency}}
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	author={{
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	journal={{Journal of Productivity Analysis}}
		
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@incollection{b46,
	
	
		,
	title={{New Optimality Principles for Economic Efficiency and Equilibrium}}
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	journal={{Journal of Optimization Theory and Applications}}
		
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@incollection{b47,
	
	
		,
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@incollection{b48,
	
	
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	title={{A Study of Bank Efficiency Taking into Account Risk-Preference}}
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	journal={{Journal of Banking and Finance}}
		
			20
			
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	year={1996}
		
	

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@incollection{b49,
	
	
		,
	title={{A note on efficiency and productivity growth in the Korean Banking Industry1992-2002}}
		,
	author={{
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	journal={{Journal of Banking & Finance}}
		
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	year={2006. August 2006}
		
	

}

@incollection{b50,
	
	
		,
	title={{A note on efficiency and productivity growth in the Korean Banking Industry, 1992-2002}}
		,
	author={{
			KHPark
		} and {
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		}}
		
	
	
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	journal={{Journal of Banking & Finance}}
		
			30
			8
			
			,
	year={2006. August 2006}
		
	

}

@incollection{b51,
	
	
		,
	title={{The Evolution of Bank Sector Competition in Ghana}}
		,
	author={{
			FrankPrah
		}}
	
	
		,
	journal={{Oita University Economic Review}}
		
			65
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	year={2014. March 2014}
		
	

}

@incollection{b52,
	
	
		,
	title={{Financial Development and Economic Growth in Ghana: Is there a Causal Link?}}
		,
	author={{
			PQuartey
		} and {
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	journal={{African Finance Journal}}
		
			10
			
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	year={2008}
		
	

}

@incollection{b53,
	
	
		,
	title={{Efficiency of Banks in a Developing Economy: The Case of India}}
		,
	author={{
			MilindSathy
		}}
	
	
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	journal={{European Journal of Operational Research}}
		
			148
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}

@incollection{b54,
	
	
		,
	title={{Efficiency of Banks in a Developing Economy: The Case of India}}
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	author={{
			MilindSathy
		}}
	
	
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	journal={{European Journal of Operational Research}}
		
			148
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	year={2003. August 2003}
		
	
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	note={Pages 662}

}

@incollection{b55,
	
	
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	title={{Data Envelopment Analysis: The Evolution of the State of the Art (1978-1995)}}
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	author={{
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	journal={{Journal of Productivity Analysis}}
		
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	year={1996}
		
	

}

@incollection{b56,
	
	
		,
	title={{Recent Developments in DEA: The Mathematical Programming Approach to Frontier Analysis}}
		,
	author={{
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@incollection{b58,
	
	
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	title={{Evaluating Efficiency of Malaysian Banks Using Data Envelopment Analysis}}
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	author={{
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		} and {
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	journal={{International Journal of Business Management}}
		
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}

@incollection{b59,
	
	
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	title={{Bank Cost Efficiency and Output Specification}}
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	author={{
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	journal={{Journal of Productivity Analysis}}
		
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	year={2002}
		
	

}

@incollection{b60,
	
	
		,
	title={{Nontraditional activities and bank efficiency revisited: A distributional analysis for Spanish financial institutions}}
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			ETortosa-Ausina
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	journal={{Journal of Economics and Business}}
		
			55
			
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	year={2003}
		
	

}

@incollection{b61,
	
	
		,
	title={{The Application of Data Envelopment Analysis in Conjunction with Financial Ratios for Bank Performance Evaluation}}
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	author={{
			QJYeh
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	journal={{Journal of the Operational Research Society}}
		
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	year={1996}
		
	

}