Jati, Waluyo. 2021. “Influence of Operational Costs on Operating Revenue and Loan to Deposit Ratio Against Return on Asset at PT. Bank Negara Indonesia, Tbk Year 2009-2019”. Kontigensi : Jurnal Ilmiah Manajemen 9 (1), 1-9. https://doi.org/10.56457/jimk.v9i1.88.