Afandi, F.N. and Purnamasari , P.E. 2025. The Influence of Green Banking, Credit Risk, and Operational Efficiency on The Financial Performance of Conventional Banks in 2020-2023. Golden Ratio of Auditing Research. 6, 1 (Jul. 2025), 43–56. DOI:https://doi.org/10.52970/grar.v6i1.1391.