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Hughes, J., & Mester, L. (2012-01-12). Efficiency in Banking: Theory, Practice, and Evidence. In  (Ed.), The Oxford Handbook of Banking. : Oxford University Press,. Retrieved 23 Feb. 2019, from http://www.oxfordhandbooks.com/view/10.1093/oxfordhb/9780199640935.001.0001/oxfordhb-9780199640935-e-018.