@article{kansoy2012determinants,
  title   = {The Determinants of Net Interest Margin in the Turkish Banking Sector: Does Bank Ownership Matter?},
  author  = {Fatih Kansoy},
  journal = {Journal of BRSA Banking and Financial Markets, 6(2), 13-49},
  year    = {2012},
  volume  = {6},
  number  = {2},
  pages   = {13-49},
  url     = {https://fatih.ai/nim.pdf}
}