Suwantri, K. (2025) “The Effect of Non-Performing Loans (NPLs), Return On Equity (ROE) and Capital Adequacy Ratio (CAR) on the Profit Growth of State-Owned Banks 2014-2023 ”, International Conference on Economics, Management, Business, and Accounting, 2(1), pp. page 140–146. doi: 10.30651/iconemba.v2i1.30489.