RATULIU, P. L. A.; LINTONG, D. N. Latent structure of banking risk: An exploratory factor analysis of financial ratios in Indonesian commercial banks, 2021–2024. Riset Akuntansi dan Manajemen Pragmatis, [S. l.], v. 4, n. 1, p. 93–112, 2026. DOI: 10.58784/ramp.473. Disponível em: https://jurnal.ywnr.org/index.php/ramp/article/view/473. Acesso em: 30 sep. 2026.