-faktor yang menentukan ketidakcekapan kos bank di 6 buah negara ahli Persatuan Negara-negara Asia Tenggara (ASEAN); Indonesia … the Association of Southeast Asian Nations (ASEAN): Indonesia, Malaysia, Singapore, Thailand, the Philippines, and Vietnam … inefficiencies on a set of bank specific variables (size, equity to total asset, loan to total asset, personnel expenses to total …