**4. Data analysis**

A higher score indicates greater financial strength with a lower probability of

The method examines liquidity, profitability, reinvested earnings and leverage which are integrated into a single composite score. It can be used with past, current or project data as it requires no external inputs such as GDP or

**Symbol Calculation References**

D/E Debt-to Equity ratio Kaur Harsh Vineet [32]

[24]

LLR Loan Loss Reserve Ahsan Mohammad, 2014, Merchant [1],

COSR cost to income ratio Ahsan Mohammad, 2014, Merchant, [1], Zeitun [2]

(2014),

(2014)

[24]

Kumar & Sayani, 2014,

Kaur Harsh Vineet [32]

Kaur Harsh Vineet [32]

Merchant [1], Zeitun [2]

Kaur Harsh Vineet [32]

Muhammad Hussain &Rukhsana KALIM

Muhammad Hussain & Rukhsana KALIM [24], Vijaya Kumar & Hameedah Sayani

Muhammad Hussain & Rukhsana KALIM [24], Vijaya Kumar & Hameedah Sayani

Ahsan Mohammad, 2014, Merchant [1]

Muhammad Hussain & Rukhsana KALIM

EQTA Total Equities to Total Assets ratio.

*Linear and Non-Linear Financial Econometrics - Theory and Practice*

assets Ratio.

NPLR Non-performing

EPS Earnings Per Share IETA I Interest expenses /

number

ROE Net income/ net

ROA Net income to total assets ROE Net income to total equities

NIITA Net interest income

CATCL Current Assets to

NLTA Net loan to total Assets

LA:TD Liquid Asset/Total Deposit

Loan

loan to Total loan

total assets ratio.

Profit to employees

worth (T.Equities)

To total assets ratio

Current liabilities

Current liabilities

Asset Quality (AQ) TLTA Total loans to total

PPE(Profit Per employ

Liquidity (LQ) LATCL Liquid Assets to

Sensitivity (S) PGL Provision To Gross

*Source the researcher from literature review.*

default and vice versa.

market price.

Capital Adequacy Requirement (CAR)

Management Efficiency

Earning Quality

(EQ)

**Table 4.**

**310**

*Camel dimensions ratios.*
