S. M. Al-Janabi and A. H. Abdel, “Financial risks and their impact on the rate of return on assets (An analytical study of a sample of the Iraqi private banking sector)”, Al-Ghary Jour. Eco. Admini. Sci., vol. 19, no. 3, pp. 221–248, Sep. 2023, doi: 10.36325/ghjec.v19i3.14653.