Yuliia Kolomiiets, Valeriia Kochorba, and Vyacheslav Lyashenko3. “ON THE RATIO OF NON-PERFORMING LOANS TO AVERAGE LOAN RATES IN CONSIDERING THE ISSUE OF BANKING RISKS”. Journal of Universal Science Research 2, no. 1 (January 22, 2024): 271–281. Accessed July 3, 2024. https://universalpublishings.com/index.php/jusr/article/view/3951.