DHANA ALMAGHVIRA, N.; VIVI NUR FITRIANI; SHYNTIA ANGGRAINI; ADIVA NANDA HENDRIAWAN; ACHMAD MIFTACHUL HUDA. Analisis Perbandingan Efisiensi Operasional Bank BNI, BSI Dan BTN Berdasarkan Cost-To-Income Ratio (CIR) Tahun 2023-2025. Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi, [S. l.], v. 5, n. 2, p. 505–528, 2026. DOI: 10.61930/jebmak.v5i2.1711. Disponível em: https://ejournal.lapad.id/jebmak/article/view/1711. Acesso em: 23 jun. 2026.