Peña, Cristine L.Ravalo, Johnny Noe E.2024-11-282024-11-281983-10https://selib.upd.edu.ph/etdir/handle/123456789/2828enCapitalizationUniversal banking programBankingEconometricsEconomic developmentThe combination of the level of capitalization and the range of functions as a determinant of efficiency: an empirical look into the universal banking programThesis