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1 - Miller & Novlas (1996). .Abid Burki, Chulam Shabbir & Khan Naizi (1991-2000) ـ2

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1- Panel Data. 2 -Abid A Burki and Ghulam Shabbir Khan Niazi (2003), The Effects of Privatization, Competition and Regulation on Banking Efficiency in Pakistan (1991-2000), November 12, University of Manchester.

3 - Farel. .Contra Accounts ـ- 45 -Mohammad Hanif Akhtar (2003). X-Efficiency Analysis of Commercial Banks in

Pakistan, October 30 . 6 - Banking statistics of Pakistan (1998-99).

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and Efficiency in European Banking, London: New Evidence.

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44. Xie, Xiaoying (200?), Economic of Scale and Efficiency Analysis in the United States Property, Liability Insurance Industry. � � � � ��� � � ��� � � � � � � � � � � �� � � � � � � � � � � � � �

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