發送短信 : 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

  ______     ___      ______   __   __    _____   
 /_____//   / _ \\   /_____//  \ \\/ //  |__  //  
 `____ `   / //\ \\  `____ `    \ ` //     / //   
 /___//   |  ___  || /___//      | ||     / //__  
 `__ `    |_||  |_|| `__ `       |_||    /_____|| 
 /_//     `-`   `-`  /_//        `-`'    `-----`  
 `-`                 `-`