APA (7th ed.) Citation

Peña, C. L., & Ravalo, J. N. E. The combination of the level of capitalization and the range of functions as a determinant of efficiency: An empirical look into the universal banking program.

Chicago Style (17th ed.) Citation

Peña, Cristine L., and Johnny Noe E. Ravalo. The Combination of the Level of Capitalization and the Range of Functions as a Determinant of Efficiency: An Empirical Look into the Universal Banking Program.

MLA (9th ed.) Citation

Peña, Cristine L., and Johnny Noe E. Ravalo. The Combination of the Level of Capitalization and the Range of Functions as a Determinant of Efficiency: An Empirical Look into the Universal Banking Program.

Warning: These citations may not always be 100% accurate.