Hardwick, P., 1996. Concentration and stability in the mutual building society industry. The Service Industries Journal, 16 (1), pp. 47-57.

Ashton, J.K. and Hardwick, P., 1996. Estimating inefficiencies in depository financial institutions: a survey. Working Paper. Poole, UK: Bournemouth University.

Hardwick, P. and Dou, W., 1996. How competitive is the UK insurance industry in Europe? Insurance Trends, 8.

Hardwick, P., 1996. Measuring cost efficiency in the UK life insurance industry. Applied Financial Economics, 7 (1), pp. 37-44.

Adams, M. and Hardwick, P., 1996. A Stakeholder Analysis of Corporate Donations: United Kingdom Evidence. Working Paper. Poole, UK: Bournemouth University School of Finance and Law.