Jiang, Tao, and Yanqiu Zheng. “Indicators of Non-Performing Loan: Does Efficiency Matter?”. Technological and Economic Development of Economy 30, no. 1 (February 8, 2024): 129–147. Accessed November 24, 2024. https://jbem.vgtu.lt/index.php/TEDE/article/view/20453.