Firdanti, Khairina Hafsa. “Managerial and External Factors Influencing Bank Performance: A Case Study of BTN Bandung”. Journal of Principles Management and Business 4, no. 01 (June 11, 2025): 18–32. Accessed November 12, 2025. https://journal.scimadly.com/index.php/jpmb/article/view/226.