Czechowska, Iwona Dorota, Czesław Lipiński, Jacek Sikorski, Joanna Stawska, and Wojciech Zatoń. Effects of Regulatory and Fiscal Burdens on the Banking Sector on Bank Lending before and During the COVID-19 Pandemic. Finance. Poland: Lodz University Press, 2021. Accessed January 30, 2026. https://press.uni.lodz.pl/index.php/wul/catalog/book/926.