**5.1 Results assessment**


significance level .1%, **Table 32** shows excluded variables (GDP & inflation rate) from the model. According to **Table 32** the study can demonstrate there is no causal relation between that inflation rate, GDP and Z score. This result go in contrast with Zeitun [2] he stated that GDP was found to be positively related to banks perfor-

**B Std. Error Beta** 1 (Constant) 8.486 .837 10.138 .000 exchange rate in Dollar �3.442 .427 �.699 �8.059 .000

**Model R R Square Adjusted R Square Std. Error of the Estimate**

**Model Sum of Squares<sup>a</sup> df Mean Square F Sig.** 1 Regression 1597.460 1 1597.460 64.955 .000<sup>b</sup>

1 .699<sup>a</sup> .489 .481 4.95918

**Coefficients**

1 provision/ Gross loan (PGL) 23.147 7.662 .342 3.021 .004

**B Std. Error Beta**

*Source the researcher from data analysis.*

*Source the researcher from data analysis.*

*Predictors: (Constant), exchange rate in Dollar*

*ANOVA<sup>a</sup> test between Z score and economic factors.*

*Dependent Variable: Z Score*

*Predictors: (Constant), exchange rate in Dollar*

*Table 28 shows individual variable significance. Source researcher from data analysis.*

*Dependent Variable: Z Score*

*Linear Regression through the Origin*

*Model summary between Z score and economic factors.*

**Model Unstandardized**

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

*Coefficientsa,b of the test between Z score and Sensitivity Dimension.*

**Model Unstandardized**

*Source the researcher from data analysis.*

*Dependent Variable: Z Score.*

*a*

*a*

*b*

**Table 28.**

*a*

*b*

**Table 30.**

*a*

**318**

**Table 31.**

**Table 29.**

mance, while inflation negatively related to the banks performance.

*Coefficients<sup>a</sup> significance of the model between Z score and exchange rate.*

**Coefficients**

Residual 1672.356 68 24.593

Total 3269.817 69

**Standardized Coefficients t Sig.**

**Standardized Coefficients t Sig.**

10.Liquid Assets to Total Deposit commonly used in camel rating system as indicator of liquidity sufficient, but it does not effect on Z score according to the results of this study see **Tables 18** and **21**.

have revealed that capital adequacy (ratio of total equity to total assets) is the

important performance indicator in the classification of banks

*Determinants of Islamic Banks Distress in Gulf Council Countries (GCC)*

system is Share Market Price

*DOI: http://dx.doi.org/10.5772/intechopen.95028*

earning per share

**5.3 Recommendations**

**5.4 Limitations**

is no time.

effect on Z score.

**321**

2.The best ratio can measure Assets Quality is Total Loan to Total Assets.

3.The best indicator that can measure management efficiency in Camel rating

4.The best indicators of liquidity availability is Net Loan to Total Assets ratio

6.Provision for non-performing loan to Gross loan ratio should be used as

1. Impact of external economic factors on Islamic banks financial soundness.

4.More techniques should be employed by further studied in Islamic banks field such as neural networks, decision trees,used logit regression and logit analysis ratio, call-report data,and soft computing subsuming seamless hybridization of

1.The study does not use probability model like log-linear model, because there

responsibility as a result of Covid 19 condition which effects on professors time.

2.The study focuses on few samples with homogenized characteristics.

3.Researcher has worked under pressure, because she has huge tasks and

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 20** shows significant individual variable (net loan to Total assets ratio)

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

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

2.The relation between camel dimensions ratios and bank meter model.

indicators of sensitivity to market risk for Islamic finance.

Some further studies are recommended to conduct such as:

3.The relation between bank age and Z score model.

all the above-mentioned techniques.

**Table 13** shows excluded variables. **Table 19** shows significance of the test.

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

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

**Table 28** shows individual variable significance.

5.The important performance indicator of profitability in Camel rating system is

