“ Capital Adequacy and Credit Risk in Banking: The Moderating Role of Revenue Diversification” (2026) Studia Universitatis Vasile Goldiș Arad, Seria Științe Economice, 36(1), pp. 1–40. Available at: https://publicatii.uvvg.ro/index.php/studiaeconomia/article/view/863 (Accessed: 15 April 2026).