Manuela, W.
(2016).
 Bank Mergers and the Free-Rider Problem in the Philippine Banking Industry.
<em>Philippine Management Review, 11</em>.
Retrieved from <a href="https://journals.upd.edu.ph/index.php/pmr/article/view/5290" target="_new">https://journals.upd.edu.ph/index.php/pmr/article/view/5290</a>