Table 1.

List of variables classified under dimensions

Service potentialAccessibilityAvailabilityEfficiencyStability
Bank Z-score (BZ)Depth of credit information index (CII)Branches of commercial banks per 1,000 km2(BRAN_A)Bank return on assets (%, before tax) (ROA)Strength of legal rights index (LRI)
Private credit by deposit money banks to GDP (%) (PRIVY)Depositors with commercial banks (per 1,000 adults) (DEPO)Automated Teller Machines (ATMs) per 1,000 km2(ATM_A)Bank overhead costs to total assets (%) (OCTA) 
Deposit money banks assets to GDP (%) (DMBAG)Number of commercial bank branches per 100,000 adults (BRAN_P) Bank net interest margin (%) (NIM) 
Bank deposits to GDP (%) (BDG)ATMs per 100,000 adults (ATM_P)   
Source: Presented by authors

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