[1. Agnello, L. & Sousa, R. M. (2013). Fiscal policy and asset prices. Bulletin of Economic Research, 65(2), 154-177.10.1111/j.0307-3378.2011.00420.x]Open DOISearch in Google Scholar
[2. Akhavein, J. D., Berger, A. N. & Humphrey, D. B. (1997). The effects of megamergers on efficiency and prices: Evidence from a bank profit function. Review of Industrial Organization, 12(1), 95-139.10.1023/A:1007760924829]Open DOISearch in Google Scholar
[3. Altunbas, Y., Liu, M. H., Molyneux, P. & Seth, R. (2000). Efficiency and risk in Japanese banking. Journal of Banking & Finance, 24(10), 1605-1628.10.1016/S0378-4266(99)00095-3]Search in Google Scholar
[4. Athanasoglou, P. P., Brissimis, S. N. & Delis, M. D. (2008). Bank-specific, industry-specific and macroeconomic determinants of bank profitability. Journal of International Financial Markets, Institutions and Money, 18(2), 121-136.10.1016/j.intfin.2006.07.001]Search in Google Scholar
[5. Bank of Albania. (2008). Annual report. Bank of Albania. Tirana, Albania.]Search in Google Scholar
[6. Bank of Albania. (2016). Annual report. Bank of Albania. Tirana, Albania.]Search in Google Scholar
[7. Barile, S. (2009). Verso la qualificazione del concetto di complessità sistemica. Sinergie, 79(2), 47-76.]Search in Google Scholar
[8. Basel Committee on Banking Supervision. (1999). Principles for the Management of Credit Risk. Basel Committee on Banking Supervision, Bank for International Settlements.]Search in Google Scholar
[9. Basel Committee on Banking Supervision (BCBS). (2006). International convergence of capital measurement and capital standards: a revised framework. Basel Committee on Banking Supervision, Bank for International Settlements.]Search in Google Scholar
[10. Basel Committee on Banking Supervision (BCBS). (2013). Global systemically important banks: Updated assessment methodology and the higher loss absorbency requirement. Basel Committee on Banking Supervision, Bank for International Settlements.]Search in Google Scholar
[11. Bauer, P., Berger, A., Ferrier, G. & Humphrey, D. (1998). Consistency conditions for regulatory analysis of financial institutions: A comparison of frontier efficiency methods. Journal of Economic and Business, 50, 85–114.10.1016/S0148-6195(97)00072-6]Search in Google Scholar
[12. Bauer, P. W., Berger, A. N. & Humphrey, D. B. (1993). Efficiency and productivity growth in US banking. The measurement of productive efficiency: Techniques and applications, 386-413.]Search in Google Scholar
[13. Beck, T., Hesse, H., Kick, T. & von Westernhagen, N. (2009). Bank ownership and stability: Evidence from Germany. VOX CEPRs Policy Portal.]Search in Google Scholar
[14. Berger, A. N. (1995). The relationship between capital and earnings in banking. Journal of Money, Credit and Banking, 27(2), 432-456.10.2307/2077877]Open DOISearch in Google Scholar
[15. Berger, A. N. & DeYoung, R. (1997). Problem loans and cost efficiency in commercial banks. Journal of Banking & Finance, 21(6), 849-870.10.1016/S0378-4266(97)00003-4]Open DOISearch in Google Scholar
[16. Berger, A. N. & Udell, G. F. (2004). The institutional memory hypothesis and the procyclicality of bank lending behavior. Journal of Financial Intermediation, 13(4), 458-495.10.1016/j.jfi.2004.06.006]Open DOISearch in Google Scholar
[17. Bikker, J. A. & Hu, H. (2002). Cyclical patterns in profits, provisioning and lending of banks and procyclicality of the new Basel capital requirements. PSL Quarterly Review, 55(221).]Search in Google Scholar
[18. Bohachova, O. (2008). The impact of macroeconomic factors on risks in the banking sector: a cross-country empirical assessment. IAW Discussion Papers 44.]Search in Google Scholar
[19. Bonfim, D. (2009). Credit risk drivers: Evaluating the contribution of firm level information and of macroeconomic dynamics. Journal of Banking and Finance, 33(2), 281-299.10.1016/j.jbankfin.2008.08.006]Search in Google Scholar
[20. Bourke, P. (1989). Concentration and other determinants of bank profitability in Europe, North America and Australia. Journal of Banking and Finance, 13(1), 65-79.10.1016/0378-4266(89)90020-4]Search in Google Scholar
[21. Cooper, M. J., Jackson III, W. E. & Patterson, G. A. (2003). Evidence of predictability in the cross-section of bank stock returns. Journal of Banking and Finance, 27(5), 817-850.10.1016/S0378-4266(01)00263-1]Search in Google Scholar
[22. Davis, K. (2007). “Banking concentration, financial stability and public policy”, In The Structure and Resilience of the Financial System, Proceedings of the Reserve Bank of Australia Conference, 255-284. Sydney.]Search in Google Scholar
[23. Delis, M. D. & Kouretas, G. P. (2011). Interest rates and bank risk-taking. Journal of Banking and Finance, 35(4), 840-855.10.1016/j.jbankfin.2010.09.032]Search in Google Scholar
[24. Demirgüç-Kunt, A., and E. Detragiache, 1998, The determinants of banking crises in developing and developed countries. IMF Staff Papers, Vol. 45 (1), pp. 81–10910.2307/3867330]Open DOISearch in Google Scholar
[25. Demirgüç-Kunt, A. & Huizinga, H. (1999). Determinants of commercial bank interest margins and profitability: some international evidence. The World Bank Economic Review, 13(2), 379-408.10.1093/wber/13.2.379]Open DOISearch in Google Scholar
[26. Diamond, D. W. & Rajan, R. G. (2001). Liquidity risk, liquidity creation, and financial fragility: A theory of banking. Journal of Political Economy, 109(2), 287-327.10.1086/319552]Search in Google Scholar
[27. Dugan, J. (2009). Loan loss provisioning and pro-cyclicality. Remarks by John C. Dugan, Controller of the Currency, before the Institute of International Bankers, 2.]Search in Google Scholar
[28. EBA. (2013). Interim results update of the EBA review of the consistency of risk-weighted assets. European Banking Authority.]Search in Google Scholar
[29. Fan, L. & Shaffer, S. (2004). Efficiency versus risk in large domestic US banks. Managerial Finance, 30(9), 1-19.10.1108/03074350410769245]Open DOISearch in Google Scholar
[30. Fiordelisi, F., Marques-Ibanez, D. & Molyneux, P. (2011). Efficiency and risk in European banking. Journal of Banking and Finance, 35(5), 1315-1326.10.1016/j.jbankfin.2010.10.005]Search in Google Scholar
[31. Girardone, C., Molyneux, P. & Gardener, E. P. (2004). Analysing the determinants of bank efficiency: the case of Italian banks. Applied Economics, 36(3), 215-227.10.1080/0003684042000175334]Open DOISearch in Google Scholar
[32. Goddard, J., Molyneux, P. & Wilson, J. O. (2004). Dynamics of growth and profitability in banking. Journal of Money, Credit and Banking, 1069-1090.10.1353/mcb.2005.0015]Open DOISearch in Google Scholar
[33. Heffernan, S. (1996). Modern Banking in Theory and Practice. New York: Wiley.]Search in Google Scholar
[34. Heffernan, S. (2005). Modern banking. John Wiley & Sons.]Search in Google Scholar
[35. Jesus, S. & Gabriel, J. (2006). Credit cycles, credit risk, and prudential regulation.]Search in Google Scholar
[36. Leslé, V. & Avramova, S. (2012). Revisiting Risk Weighted Assets: Why do RWAs differ across countries and what can be done about it? IMF Working Paper, 12/90.10.5089/9781475502657.001]Search in Google Scholar
[37. Louzis, D. P., Vouldis, A. T. & Metaxas, V. L. (2012). Macroeconomic and bank-specific determinants of non-performing loans in Greece: A comparative study of mortgage, business and consumer loan portfolios. Journal of Banking and Finance, 36(4), 1012-1027.10.1016/j.jbankfin.2011.10.012]Search in Google Scholar
[38. Mariathasan, M. & Merrouche, O. (2012). The Manipulation of Basel Risk-weights: Evidence from 2007-10 (No. 621). University of Oxford, Department of Economics.]Search in Google Scholar
[39. Mariathasan, M. & Merrouche, O. (2014). The manipulation of basel risk-weights. Journal of Financial Intermediation, 23(3), 300-321.10.1016/j.jfi.2014.04.004]Open DOISearch in Google Scholar
[40. Mehran, H. & Thakor, A. (2011). Bank capital and value in the cross-section. The Review of Financial Studies, 24(4), 1019-1067.10.1093/rfs/hhq022]Open DOISearch in Google Scholar
[41. Mercieca, S., Schaeck, K. & Wolfe, S. (2007). Small European banks: Benefits from diversification?. Journal of Banking & Finance, 31(7), 1975-1998.10.1016/j.jbankfin.2007.01.004]Open DOISearch in Google Scholar
[42. Molyneux, P. (1993). Structure and performance in European banking (Doctoral dissertation, Prifysgol Bangor University).]Search in Google Scholar
[43. Molyneux, P. & Thornton, J. (1992). Determinants of European bank profitability: A note. Journal of Banking and Finance, 16(6), 1173-1178.10.1016/0378-4266(92)90065-8]Search in Google Scholar
[44. Petria, N., Capraru, B. & Ihnatov, I. (2015). Determinants of banks’ profitability: evidence from EU 27 banking systems. Procedia Economics and Finance, 20, 518-524.10.1016/S2212-5671(15)00104-5]Search in Google Scholar
[45. Pesola (2005) Banking fragility and distress: An econometric study of macroeconomic determinants. Bank of Finland Research Discussion Papers, 13/2005.10.2139/ssrn.3018091]Search in Google Scholar
[46. Revell, J. (1979). Inflation & Financial Institutions. Financial Times Limited.]Search in Google Scholar
[47. Rinaldi, L. & Sanchis-Arellano, A. (2006). Household debt sustainability: what explains household non-performing loans? An empirical analysis.10.2139/ssrn.872528]Search in Google Scholar
[48. Sathye, M. (2002). The impact of foreign banks on market concentration: The case of India. Applied Econometrics and International Development, 2(1), 7-20.]Search in Google Scholar
[49. Shijaku, G. (2017). Does Concentration Matter for Bank Stability? Evidence from the Albanian Banking Sector. Journal of Central Banking Theory and Practice, 6(3), 67-94.10.1515/jcbtp-2017-0021]Search in Google Scholar
[50. Wooldridge, J. M. (2010). Econometric analysis of cross section and panel data. MIT press.]Search in Google Scholar