Operational Efficiency and Financial Structure as Determinants of Return on Assets: Panel ARDL Estimation in the Banking Industry. Jurnal Manajemen Bisnis, [S. l.], v. 13, n. 1, p. 801–816, 2026. DOI: 10.33096/jmb.v13i1.1228. Disponível em: http://jurnal.fe.umi.ac.id/index.php/JMB/article/view/1228. Acesso em: 10 apr. 2026.