Czechowska, Iwona Dorota, Czesław Lipiński, Joanna Stawska, Joanna Stępińska, Wojciech Zatoń, and Marcin Borys. Non-Performing Loans and Allowance for Loan Losses in the Banking Sector. Finance. Poland: Lodz University Press, 2024. Accessed January 23, 2026. https://www.press.uni.lodz.pl/index.php/wul/catalog/book/878.