Estonian banking sector performance analysis using Malmquist indexes and DuPont financial ratio analysisKirikal, Ly; Sõrg, Mart; Vensel, VelloInternational business and economics research journal2004 / 12, p. 21-36

Life insurance and its selling possibilities in retail bankingKirikal, LyThe Future of Retail Banking and Gustomer Relations : a report from the first workshop of The Göran Collert Research Foundation, September 13-14, 20012001 / p. 78 https://www.ester.ee/record=b4905982*est

Life insurance and its selling possibilities in retail banking via InternetKirikal, LyPapers of the 5th Conference on Financial Sector Reform in Central and Eastern Europe : The Impact of Foreign Banks' Entry : 26-27 April 2002, Tallinn2002 / p. 317-322 : ill

Malmquist indexes of productivity change in Estonian banking?Kirikal, LyEesti majanduspoliitilised perspektiivid Euroopa Liidus : XII teadus- ja koolituskonverentsi ettekanded-artiklid : (Tartu-Värska, 1.-3. juuli 2004)2004 / p. 564-573

Malmquist indexes of productivity change in Estonin bankingKirikal, LyIntegration of financial sectors of Baltic States into the European Union: challenge and experience : collection of papers2004 / p. [253]-265 : ill

Productivity, the Malmquist index and the empirical study of banks in Estonia = Tootlikkus ja Malmquisti indeks Eesti pankade näitel / Ly KirikalKirikal, Ly2005 https://www.ester.ee/record=b2089091*est

Stabilisation period and Malmquist index of productivity change : an empirical study of Estonian banksKirikal, LyPapers of the 4th International Symposium of DEA : Data Envelopment Analysis and Performance Management, Birmingham, 20042004 / p. 353-360