A DEA AND TOBIT ANALYSIS OF THE DETERMINANTS OF COST AND PROFIT EFFICIENCY IN THE TURKISH BANKING SECTOR. International Journal of Banking and Finance, [S. l.], v. 19, n. 1, p. 1–38, 2024. DOI: 10.32890/ijbf2024.19.1.1. Disponível em: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/17468. Acesso em: 10 nov. 2025.