Variable 


ROA  Characteristic variable of the bank  return on assets × 100 
SIZE  Size of the banks  Log of total assets 
RISK  Measuring Banksâ€™ risktaking  nonperforming loan ratio × 100 
CAP  Characteristic variable of the bank  capital adequacy ratio × 100 
M2  Monetary policy  growth rate of M2 × 100 
GDP  Marcoeconomic  growth rate of GDP 