efficiently manage their operating income and profits, by applying the "new business models" (i.e. cost management concepts …, concepts of customer rotation, concept of sustainable development). This also applies to more efficient management of human …

management rather than concentration which affects bank profitability …The relationship between market share and profitability is perhaps the most-studied single phenomenon in business … ratio) on profitability measurements of banks in Bulgaria. The analysis is based on balanced panel data of 22 banks over the …