E. G. Kamande, E. Zablon, and D. J. Ariemba, “The Effect of Bank Specific Factors on Financial Performance of Commercial Banks in Kenya”, IJSBAR, vol. 30, no. 5, pp. 165–180, Dec. 2016, Accessed: Sep. 17, 2025. [Online]. Available: https://gssrr.org/JournalOfBasicAndApplied/article/view/6656