00911nam0-22003011i-450-990003093210403321000309321FED01000309321(Aleph)000309321FED0100030932120000920d--------km-y0itay50------baitaITHow the Environment Determines the Efficiency of BanksA Comparison Between the French and Spanish Banking Industriesdi Michel Dietsch, Ana Lozano VivasQuaderni CEIS67BancheFranciaBancheSpagnaJ/2.11Dietsch,Michel123581Lozano Vivas,Ana123582ITUNINARICAUNIMARCBK990003093210403321PaperSESSESHow the Environment Determines the Efficiency of Banks459193UNINAING01