ON THE RATIO OF NON-PERFORMING LOANS TO AVERAGE LOAN RATES IN CONSIDERING THE ISSUE OF BANKING RISKS. Journal of Universal Science Research, [S. l.], v. 2, n. 1, p. 271–281, 2024. Disponível em: http://universalpublishings.com/index.php/jusr/article/view/3951. Acesso em: 22 dec. 2024.