Artha, I., & Surya Negara Sudirman, I. 2023 Jun 30. PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NON PERFORMING LOAN TERHADAP PROFITABILITAS BANK UMUM. E-Jurnal Ekonomi dan Bisnis Universitas Udayana. [Online] :