@incollection{,
	
					
					
					56E34CE7F9EF12F298D6B59819DB1F75
				,
	author={{NazmoonAkhter} and {BGC Trust University Bangladesh, Chittagong.}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1871324
}

@incollection{b0,
	
	
		,
	title={{Efficiency of Commercial Banks in Bangladesh-A Data Envelopment Analysis}}
		,
	author={{
			MdSAhmed
		} and {
			FFLiza
		}}
		
	
	
		,
	journal={{Finance and Administrative Sciences}}
		
			56
			,
	year={2013. January, 2013}
		
	
	,
	note={European Journal of Economics}

}

@incollection{b1,
	
	
		,
	title={{Operational Efficiency in Banking: An International Comparison}}
		,
	author={{
			Allen
		} and {
			ARai
		}}
		
	
	
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	journal={{Journal of Banking & Finance}}
		
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}

@incollection{b2,
	
	
		,
	title={{Determinants of Operating Efficiency for Lowly and Highly Competitive Banks in Egypt}}
		,
	author={{
			HAmer
		} and {
			TEldomiaty
		}}
		
	
	
		,
	journal={{Cambridge Business & Economics Conference}}
		
			,
	year={2011}
		
	

}

@incollection{b3,
	
	
		,
	title={{What to Do (and Not to Do) with Time-Series Cross-Section Data}}
		,
	author={{
			NBeck
		} and {
			JNKatz
		}}
		
	
	
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	journal={{American Political Science Review}}
		
			89
			3
			
			,
	year={1995}
		
	

}

@incollection{b4,
	
	
		,
	title={{The Profit-Structure Relationship in Banking: Tests of Market Power and Efficient Structure Hypotheses}}
		,
	author={{
			ANBerger
		}}
	
	
		,
	journal={{Journal of Money, Credit and Banking}}
		
			27
			
			,
	year={1995}
		
	

}

@book{b5,
	
	
		,
	title={{Operational Risk: The new challenge of Banks}}
		,
	author={{
			GFBrink
		} and {
			VDJan
		}}
		
		
			,
	year={2002}
			,
	publisher={Palgrave Publishers, Ltd}
			,
	address={New York, NY, USA}
		
	

}

@incollection{b6,
	
	
		,
	title={{Exploring the nexus between banking sector reform and performance: Evidence from newly acceded EU countries}}
		,
	author={{
			SNBrissimis
		} and {
			MDDelis
		} and {
			NIPapanikolaou
		}}
		
		
	
	
		,
	journal={{Journal of Banking & Finance}}
		
			32
			12
			
			,
	year={2008}
		
	

}

@incollection{b7,
	
	
		,
	title={{Financial deregulation and efficiency: An empirical analysis of Indian Banks during the post reform period}}
		,
	author={{
			ADas
		} and {
			SGosh
		}}
		
	
	
		,
	journal={{Review of Financial Economics}}
		
			15
			3
			
			,
	year={2006}
		
	

}

@incollection{b8,
	
	
		,
	title={{Banks and liquidity}}
		,
	author={{
			DWDiamond
		} and {
			RGRajan
		}}
		
	
	
		,
	journal={{The American Economic Review}}
		
			91
			2
			
			,
	year={2001}
		
	

}

@incollection{b9,
	
	
		,
	title={{Consistent Covariance Matrix Estimation with Spatially Dependent Panel Data}}
		,
	author={{
			JDriscoll
		} and {
			AKraay
		}}
		
	
	
		,
	journal={{The Review of Economics and Statistics}}
		
			80
			4
			
			,
	year={1998}
		
	

}

@book{b10,
	
	
		,
	title={{Bank efficiency and Banking sector development the case of Italy. Applied Mathematics, working paper series}}
		,
	author={{
			LElisa
		} and {
			RLuca
		}}
		
		
			,
	year={2007. 2007. February 2007}
		
	

}

@incollection{b11,
	
	
		,
	title={{Liquidity risk: what lessons can be learnt from the crisis in Japan's banking system?}}
		,
	author={{
			RFiedler
		} and {
			KBrown
		} and {
			JMoloney
		}}
		
		
	
	
		,
	journal={{Balance Sheet}}
		
			10
			1
			
			,
	year={2002}
		
	

}

@incollection{b12,
	
	
		,
	title={{Efficiency measurement of the Greek Commercial Banks with the use of financial ratios: a data envelopment analysis approach}}
		,
	author={{
			GEHalkos
		} and {
			SDSalamouris
		}}
		
	
	
		,
	journal={{Management Accounting Research}}
		
			15
			2
			
			,
	year={2004}
		
	

}

@incollection{b13,
	
	
		,
	title={{Specification tests in econometrics}}
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	author={{
			JAHausman
		}}
	
	
		,
	journal={{Econometrica}}
		
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			6
			
			,
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}

@incollection{b14,
	
	
		,
	title={{Operational and Liquidity risk Information disclosure practices by Malaysian Listed Banks}}
		,
	author={{
			SHtay
		} and {
			SSalman
		}}
		
	
	
		,
	journal={{International Business Management}}
		
			9
			1
			
			,
	year={2015}
		
	

}

@incollection{b15,
	
	
		,
	title={{Evaluating the operational and profitability efficiency of a UAEbased Commercial Bank}}
		,
	author={{
			AH AHussein
		} and {
			MLAhmad
		}}
		
	
	
		,
	journal={{Journal of Financial Services Marketing}}
		
			11
			4
			
			,
	year={2007}
		
	

}

@incollection{b16,
	
	
		,
	title={{Banks as liquidity providers: An explanation for the coexistence of lending and deposit-taking}}
		,
	author={{
			AKKashyap
		} and {
			RRajan
		} and {
			JCStein
		}}
		
		
	
	
		,
	journal={{The Journal of Finance}}
		
			57
			1
			
			,
	year={2002}
		
	

}

@book{b17,
	
	
		,
	title={{A Guide to Economics}}
		,
	author={{
			PKennedy
		}}
		
			,
	year={2003}
			,
	publisher={MIT Press}
			5
			,
	address={Cambridge, MA}
		
	
	,
	note={th ed.}

}

@book{b18,
	
	
		,
	title={{Operating performance of Banks among Asian Economics: An International and Time Series Comparison. Working Papers 132002}}
		,
	author={{
			SHKwan
		}}
		
			,
	year={2002}
		
		
			Hong Kong Institute for Monetary Research
		
	

}

@incollection{b19,
	
	
		,
	title={{Efficient Structure versus Market Power: Theories and Empirical Evidence}}
		,
	author={{
			SMensi
		} and {
			AZouari
		}}
		
	
	
		,
	journal={{International Journal of Economics and Finance}}
		
			2
			4
			
			,
	year={2010}
		
	

}

@book{b20,
	
	
		,
	author={{
			FSMishkin
		} and {
			SGEakins
		}}
		
		,
	title={{Financial Markets and Institutions. 7 th Ed. Essex}}
				
			,
	publisher={Pearson Education Ltd}
			,
	year={2012}
		
	

}

@incollection{b21,
	
	
		,
	title={{Effect of Working Capital Management on the Profitability of Manufacturing Firms in Nakuru Town}}
		,
	author={{
			TWMuya
		} and {
			GGathogo
		}}
		
	
	
		,
	journal={{Kenya. International Journal of Economics, Commerce and Management}}
		
			IV
			4
			
			,
	year={2016}
		
	

}

@incollection{b22,
	
	
		,
	title={{Credit Risk, Capital Adequacy and Operating Efficiency of Commercial Banks in Kenya}}
		,
	author={{
			RMOdunga
		} and {
			PMNyangweso
		} and {
			DACarter
		} and {
			MMwarumba
		}}
		
		
		
	
	
		,
	journal={{International Journal of Business and Management Invention}}
		
			2
			9
			
			,
	year={2013}
		
	

}

@incollection{b23,
	
	
		,
	title={{Specific Performance Indicators, Market Share and Operating Efficiency for Commercial Banks in Kenya}}
		,
	author={{
			RMOdunga
		}}
	
	
		,
	journal={{International Journal of Finance and Accounting}}
		
			5
			3
			
			,
	year={2016}
		
	

}

@incollection{b24,
	
	
		,
	title={{An Empirical Study on Measuring Operating Efficiency and Profitability of Bank Branches}}
		,
	author={{
			MOral
		} and {
			RYolalan
		}}
		
	
	
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	journal={{European Journal of Operational Research}}
		
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	year={1990}
		
	

}

@incollection{b25,
	
	
		,
	title={{Determinant of the bank's operating efficiency}}
		,
	author={{
			ProfPancheva
		} and {
			ADr
		}}
		
	
	
		,
	journal={{Journal of University of Economics}}
		
			
			,
	year={2014}
		
	

}

@book{b26,
	
	
		,
	title={{What Determines the Profitability of Banks?}}
		,
	author={{
			ATPonce
		}}
		
			,
	year={2011}
		
		
			Evidence from Spain. Pablo de Olavide University
		
	

}

@incollection{b27,
	
	
		,
	title={{Efficiency and risk-taking in pre-crisis investment banks}}
		,
	author={{
			NRadic
		} and {
			FFiordelisi
		} and {
			CGirardone
		}}
		
		
	
	
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	journal={{Journal Financial Services Research}}
		
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			,
	year={2012}
		
	

}

@incollection{b28,
	
	
		,
	title={{Regression Standard Errors in Clustered Samples}}
		,
	author={{
			WRogers
		}}
	
	
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	journal={{Stata Technical Bulletin}}
		
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@book{b29,
	
	
		,
	title={{Operational Efficiency a Brand Point Management Perspective}}
		,
	author={{
			Shawk
		}}
		
		
			,
	year={2008}
		
	

}

@book{b30,
	
	
		,
	title={{Factor that affects distribution rural credit bank [BPR (rural bank) case study in work area bank Indonesia Semarang]. Thesis}}
		,
	author={{
			MSoedarto
		}}
		
			,
	year={2004}
			,
	address={Semarang}
		
		
			Magister Management Study Program Diponegoro University
		
	

}

@incollection{b31,
	
	
		,
	title={{Determinants of Commercial Banks Profitability: Empirical Evidence from Pakistan}}
		,
	author={{
			WTariq
		} and {
			UMuhammad
		} and {
			ZI AHaseeb
		} and {
			AImran
		}}
		
		
		
	
	
		,
	journal={{International Journal of Accounting and Financial Reporting}}
		
			4
			2
			
			,
	year={2014}
		
	

}