Imran Kamal, Arshad Javed, Ahmad Salman, and Adil Hussain. “How Efficiency Drives Bank Performance in Pakistan: A Quantile-Based Methodology”. International Journal of Business and Economic Affairs 10, no. 1 (March 29, 2025): 40-50. Accessed May 18, 2026. https://www.ijbea.com/ojs/index.php/ijbea/article/view/446.