Howcroft B and A Ataullah (2006). “Total Factor Productivity Change: An Examination of the Commercial Banking Industry in India and Pakistan.” Service Industries Journal 26(2): 189-202.

Howcroft B and A Ataullah (2006). “Total Factor Productivity Change: An Examination of the Commercial Banking Industry in India and Pakistan.” Service Industries Journal 26(2): 189-202.

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