Federal Reserve Bank of Chicago. Research Department and Federal Reserve Bank of Chicago. "Technical Change, Regulation, and Economics of Scale for Large Commercial Banks : An Application of a Modified Version of Shephard's Lemma, Working Paper 1989-11" in Working Papers (Federal Reserve Bank of Chicago) (June 1989). https://fraser.stlouisfed.org/title/5285/item/574966, accessed on March 17, 2025.