RAVIRAJAN, K.; SHANMUGAM, K. R. Determinants of Efficiency of Commercial Banks in India After Global Crises. Journal of Accounting and Finance, [S. l.], v. 23, n. 4, 2023. Disponível em: https://articlearchives.co/index.php/JAF/article/view/6044. Acesso em: 14 dec. 2025.