Reforms, Productivity, and Efficiency in Banking: The Indian Experience (Distinguished Lecture). The Pakistan Development Review, [S. l.], v. 44, n. 4I, p. pp.505–538, 2005. DOI: 10.30541/v44i4Ipp.505-538. Disponível em: https://thepdr.pk/index.php/pdr/article/view/2037. Acesso em: 26 oct. 2025.