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 Empirical Test of the Structure-Conduct-Performance (S-C-P) Paradigm and Efficient Structure Hypothesis on the Philippine Commercial Banking Industry, 1990-2001.
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Available at: &lt;<a href="https://journals.upd.edu.ph/index.php/pmr/article/view/5296" target="_new">https://journals.upd.edu.ph/index.php/pmr/article/view/5296</a>&gt;. Date accessed: 31 aug. 2025.