BANK PROFITABILITY DETERMINANTS: COMPARING THE UNITED STATES, NIGERIA AND SOUTH AFRICA. IJBF [Internet]. 2021 Jan. 30 [cited 2025 Nov. 10];16(1):55-78. Available from: https://www.educationmalaysia.co.uk/index.php/ijbf/article/view/ijbf2021.16.1.4