Godsway Adenyo, Amiya Bhaumik, Joseph Yensu and Emmanuel Kweku Seisi Amoah (2026) “Capital Structure Dynamics and Performance of Universal Banks in Ghana: Pre- and Post-COVID-19 Analysis”, Journal of Accounting Research, Business and Finance Management (e-ISSN: 2582-8851), pp. 26–41. Available at: https://matjournals.net/engineering/index.php/JARBFM/article/view/3849 (Accessed: 25 July 2026).