**5.4 Limitations**


The age of selected bank Alizz bank is excluded because its age less than 10 years. Then start from the beginning and Al Salam Bank was chosen.

**Table 12** shows that total loan to total assets positively on Z score.

**Table 13** shows excluded variables.

**Table 19** shows significance of the test.

**Table 20** shows significant individual variable (net loan to Total assets ratio) effect on Z score.

**Table 25** shows significance of individual variable.

**Table 27** shows significance of the test.

**Table 28** shows individual variable significance.

**Table 32** shows excluded external economic variables from Z score model.
