@ARTICLE{
author={Indic Milica,Djakovic Milos,Milenkovic Nada,Kalas Branimir},
year={2026},
title={How Non-Performing Loans Reshape Bank Liquidity Determinants: Evidence from the European Union},
journal={RISKS},
volume={14},
number={9},
pages={-},
document_type={Article},
}