ADAM, Sabda; SHABRINA, Nina; NOVITA, Dina. The Effects Of Capital Adequacy, Loan-To-Deposit, And Non-Performing Loan Ratios On Return On Assets: Evidence From Indonesian State-Owned Banks, 2020–2025. Jurnal Ilmiah Ekonomi Manajemen & Bisnis, [S. l.], v. 4, n. 3, p. 239–258, 2026. DOI: 10.60023/qm0d4y12. Disponível em: http://jurnal.stieganesha.ac.id/index.php/ekmabis/article/view/473.. Acesso em: 23 oct. 2026.