Euis Nessia Fitri. “THE INFLUENCE OF CAPITAL ADEQUACY RATIO, NON-PERFORMING LOANS, AND OPERATIONAL EXPENSES TO OPERATIONAL INCOME ON THE FINANCIAL PERFORMANCE OF PT BANK NEO COMMERCE TBK”. Jurnal Ekonomi 12, no. 04 (December 29, 2023): 2603–2611. Accessed April 23, 2026. https://ejournal.seaninstitute.or.id/index.php/Ekonomi/article/view/6565.