HABIBULLAH, M. S. On the Operating Efficiency of the Commercial Banking Sector in Malaysia : Empirical Evidence. Malaysian Management Journal, [S. l.], v. 1, n. 2, p. 1–19, 1995. Disponível em: https://e-journal.uum.edu.my/index.php/mmj/article/view/8523. Acesso em: 27 feb. 2024.