“…Data on the number of banks are from Knight (1997), with the following exceptions: data for the Czech Republic, Hungary, and Poland are from OECD (1997a), Albanian data are from Lafferty (1997), Bulgarian data are from Bulgaria (1997), and Mongolian data are from Economist (1997). For the number of bank branches, the Czech Republic and Polish data are from OECD (1997a), Slovenian data are from ZBS Bank Association of Slovenia, Kazak data are from Hoelscher (1998), and data for the Krgyz Republic are from BISNIS (1998). For the number of bank employees, data for the Czech Republic, Hungary, and Poland were obtained from OECD (1997a) and data for Slovenia are from ZBS Bank Association of Slovenia.…”