Ibáñez, Javier Quesada; Villarroya, Joaquín Maudos; … - Instituto Valenciano de Investigaciones Económicas (IVIE) - 1996
and increased competition) on production costs for the Spanish savings banks are the objectives of this study. We review … data panel and with the aim of checking on the possibility that each firm has a particular level of efficiency -captured by … isolating our estimates of technical change from the evolution of financial costs and, therefore, of the role of competition and …