“ON THE RATIO OF NON-PERFORMING LOANS TO AVERAGE LOAN RATES IN CONSIDERING THE ISSUE OF BANKING RISKS”, JUSR, vol. 2, no. 1, pp. 271–281, Jan. 2024, Accessed: Dec. 22, 2024. [Online]. Available: http://universalpublishings.com/index.php/jusr/article/view/3951