Certeza, M. A. T. A., Hipolito, A. D., Ng, C. S. C., & Pasia, M. G. L. (2013). An empirical analysis on the bidirectional relationship of cost efficiency to the non-performing loans ratio and non-performing assets ratio of private domestic universal banks in the Philippines from the years 2002 to 2012. Animo Repository.

Certeza, Ma. Angela Therese A., Alysa D. Hipolito, Charlene Samantha C. Ng, and Matthew Gerard L. Pasia. An Empirical Analysis On the Bidirectional Relationship of Cost Efficiency to the Non-performing Loans Ratio and Non-performing Assets Ratio of Private Domestic Universal Banks in the Philippines From the Years 2002 to 2012. Animo Repository, 2013.

Certeza, Ma. Angela Therese A., Alysa D. Hipolito, Charlene Samantha C. Ng, and Matthew Gerard L. Pasia. An Empirical Analysis On the Bidirectional Relationship of Cost Efficiency to the Non-performing Loans Ratio and Non-performing Assets Ratio of Private Domestic Universal Banks in the Philippines From the Years 2002 to 2012. Animo Repository, 2013.