Jati, Waluyo. “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, no. 1 (June 1, 2021): 1-9. Accessed April 19, 2024. https://jurnal.dim-unpas.web.id/index.php/JIMK/article/view/88.