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<xml><bibliography><APA>Viphaphone Senesombath และ Sorasart Sukcharoensin. (2020) Evaluating the operating efficiency of commercial banking sector in Lao PDR. National Institute of Development Administration:ม.ป.ท.</APA><Chicago>Viphaphone Senesombath และ Sorasart Sukcharoensin. 2020. Evaluating the operating efficiency of commercial banking sector in Lao PDR. ม.ป.ท.:National Institute of Development Administration;</Chicago><MLA>Viphaphone Senesombath และ Sorasart Sukcharoensin.  Evaluating the operating efficiency of commercial banking sector in Lao PDR.  ม.ป.ท.:National Institute of Development Administration, 2020. Print.</MLA></bibliography></xml>
