id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajfa-6244	Shyu, Jonchi; Lin, Jia-Chi; Wu, Chen-Kuang	Determinants of Operational Efficiency in Asian Banking: A Two-stage Banking Model Analysis	2014	18	.pdf	application/pdf	7229	358	54	2.2 Cross-country analysis of bank efficiency In Lim and Randhawa’ (2005) comparison of banking efficiency in Hong Kong and Singapore, which was based on banks playing the two roles with equal importance. Based on the above studies, we can conclude that the ROA, asset size, loan loss reserves to total loans, non-interest expenses to total assets, equity to total assets, market concentration rate, and GDP growth rate have a significant effect on bank efficiency.	cache/ajfa-6244.pdf	txt/ajfa-6244.txt