Enrico Aurelio L. Torres, Emmanuel P. Paulino, Ronald P. Romero, Paulo Noel A. Mazo, Karina Clara C. Romero, & Reynaldo J. Villegas. (2026). Clustering Capital Management Approaches: Evidence from Banking Firms during Economic Disruptions. Journal of Economics, Finance and Accounting Studies , 8(4), 28-47. https://doi.org/10.32996/jefas.2026.8.4.3