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. DOI: 10.66301/jusr.v2i1.3951. Disponível em: https://www.universalpublishings.com/index.php/jusr/article/view/3951. Acesso em: 12 nov. 2026.