M. Rafli, M. Yusuf, O. Usman, A. Sulistyono, and R. Vebina Tarigan, “Analysis of Profitability Ratios at PT Bank Mandiri (Persero) Tbk for The 2020–2025 Period Using A Quantitative Descriptive Approach”, jrssem, vol. 5, no. 11, pp. 12709–12718, Jun. 2026.