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: https://universalpublishings.com/~niverta1/index.php/jusr/article/view/3951. Acesso em: 23 nov. 2024.