Bittencourt, W. R., V. G. F. Bressan, C. P. Goulart, A. A. Bressan, D. R. de M. Costa, and W. M. Lamounier. “Profitability in Multiple Brazilian Banks and Credit Unions”. Journal of Contemporary Administration, Vol. 21, no. spe, 1, pp. 22-40, doi:10.1590/1982-7849rac2017150349.