Juniarmita AS, Paturusi AL. The Influence of Loan To Deposit Ratio And Operating Costs Operating Income To Return On Assets At PT. Bank Negara Indonesia (Persero), tbk. JOMEL [Internet]. 2023Aug.23 [cited 2026Jul.30];3(2):640-4. Available from: http://www.jurnal.stim-lpi.ac.id/index.php/Jomel/article/view/151