Karaś, Piotr, and Andrzej Walitza. “Polish Commercial Banks’ Efficiency in 2009–2016 under Stress Conditions for Recapitalization”. Central and Eastern European Economic Review, no. 2(21) (January 31, 2020): 149–163. Accessed June 29, 2026. https://ceeer.uek.krakow.pl/index.php/aoc/article/view/1669.