ANALISIS PENGARUHCAPITAL ADEQUACY RATIO,NET INTEREST MARGIN,BIAYA OPERASIONALPENDAPATANOPERASIONAL, LOAN TODEPOSIT RATIO,SBIDANKURS TERHADAP RETURN ON ASSET (Studi Komparasi antara BankUmum SwastaNasional DevisaDan Bank Asing) - WINARNI, Winarni (2011)