Benito Arruñada - Universitat Pompeu Fabra
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My book on impersonal transactions, published by University of Chicago Press
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Productivity Surplus in Banking

Arruñada, Benito (1987), “Productivity Surplus in Banking,” Investigaciones Económicas, 1, 151-78.
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A global productivity surplus model is applied to analyze the Spanish private banking sector between 1970 and 1982, estimating changes in both productivity and earnings.