Nurboja, Bashkim, and Marko Košak. “RISK-RETURN EFFICIENCY AND RISK DETERMINANTS OF THE EUROPEAN BANKS”. The South East European Journal of Economics and Business 20, no. 1 (May 15, 2025): 129-148. Accessed June 4, 2025. https://journal.efsa.unsa.ba/index.php/see/article/view/2571.