Njoki, Nicholas Mbugua, and Winnie Nyamute. “Factors Affecting Financial Performance of Commercial Banks in Kenya”. Journal of Finance and Accounting 7, no. 1 (March 8, 2023): 100–115. Accessed September 7, 2024. https://stratfordjournals.org/journals/index.php/journal-of-accounting/article/view/1436.