The Effect of Capital Adequacy Ratio, Loan to Deposit Ratio, and Operational Costs than Operating Revenue on Return on Assets: Study on Conventional Banks in Indonesia. Hut Publication Business and Management, [S. l.], v. 2, n. 1, p. 115–132, 2022. Disponível em: https://hutpublication.com/index.php/HPBM/article/view/14. Acesso em: 10 jun. 2026.