Kalenga, Danicious. “Structural Change in Zambian Bank Capital, Portfolio Risk and Fragility: Evidence Around the 2012 Capital Reform and the 2018–2021 Macro-Financial Episode”. African Journal of Commercial Studies, vol. 7, no. 5, Oct. 2026, pp. 192–201, https://doi.org/10.59413/ajocs/v7.i5.23.