(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

(1) ROE

1.000

(2) NIM

0.223***

1.000

(3) FEMALE

0.136***

−0.152***

1.000

(4) LNBSIZE

−0.040

−0.062*

0.038

1.000

(5) IND

0.048

0.007

0.223***

0.006

1.000

(6) LNBMEET

−0.010

−0.053*

0.040

−0.045

0.111***

1.000

(7) DUAL

0.030

−0.021

0.055*

0.044

−0.143***

−0.138***

1.000

(8) LOANS

0.050

0.304***

−0.167***

−0.164***

0.025

0.063*

−0.087**

1.000

(9) LEV

−0.005

−0.111***

0.040

0.187***

−0.206***

0.003

0.050

−0.323***

1.000

(10) TQ

0.160***

0.068*

−0.072**

−0.004

−0.169***

−0.130***

0.045

−0.093***

0.232***

1.000

(11) LNSIZE

0.134***

−0.255***

0.296***

0.368***

0.150***

−0.087**

0.239***

−0.316***

0.271***

−0.057*

1.000

(12) LNAGE

0.053*

−0.143***

0.093***

0.246***

0.003

−0.097***

0.119***

−0.197***

0.223***

0.060*

0.286***

1.000