SUBAGYO, Adellia Monica Putri Valentine; SUKARIS, Sukaris. Influence Non Performing Loan, Operating Costs To Operating Income, and Capital Adequacy Ratio Against Return On Asset in Conventional Commercial Banks In Indonesia In 2021-2024. INNOVATION RESEARCH JOURNAL, [S. l.], v. 7, n. 1, p. 46–55, 2026. DOI: 10.30587/innovation.v7i1.11358. Disponível em: https://journal.umg.ac.id/index.php/innovation/article/view/11358. Acesso em: 15 jun. 2026.