Summary of the variables
| Variable short form | Variable name | Operationalisation of the variable |
|---|---|---|
| LnPTE | Natural logarithm of pure technical efficiency | Estimation using DEAW |
| LnSE | Natural logarithm of scale efficiency | Estimation using DEAW |
| Dummy Islamic | Dummy Islamic Banks | 1 for Islamic banks, 0 for conventional banks |
| Ln (GDP) | Economic growth and development | Natural logarithm of growth domestic product as released by IMF |
| Ln (Inf) | Inflation index | Natural logarithm of consumer index as released by IMF |
| Ln (CONC) | Market concentration | Natural logarithm of the assets of largest three banks in the industry |
| Ln (size) | Size of the bank | Total assets of the bank |
| Ln (Cap) | Capitalisation of the bank | Natural logarithm of capital/the total assets |
| Ln (ROA) | Return of assets | Natural logarithm of profitability of the banks. It is measured as net income/total assets |
| Ln (CR) | Credit risk | Natural logarithm of loan/finance loss provision to total loans/finance |
| Ln (NII) | Non-interest income | Natural logarithm of total of non-interest income |
| Ln (TL) | Total loans | Natural logarithm of the total loans for conventional banks and total finance in case of Islamic banks |
| Ln (LIQ) | Liquidity | Natural logarithm of Liquid assets/liabilities |
| Variable short form | Variable name | Operationalisation of the variable |
|---|---|---|
| LnPTE | Natural logarithm of pure technical efficiency | Estimation using DEAW |
| LnSE | Natural logarithm of scale efficiency | Estimation using DEAW |
| Dummy Islamic | Dummy Islamic Banks | 1 for Islamic banks, 0 for conventional banks |
| Ln (GDP) | Economic growth and development | Natural logarithm of growth domestic product as released by IMF |
| Ln (Inf) | Inflation index | Natural logarithm of consumer index as released by IMF |
| Ln (CONC) | Market concentration | Natural logarithm of the assets of largest three banks in the industry |
| Ln (size) | Size of the bank | Total assets of the bank |
| Ln (Cap) | Capitalisation of the bank | Natural logarithm of capital/the total assets |
| Ln (ROA) | Return of assets | Natural logarithm of profitability of the banks. It is measured as net income/total assets |
| Ln (CR) | Credit risk | Natural logarithm of loan/finance loss provision to total loans/finance |
| Ln (NII) | Non-interest income | Natural logarithm of total of non-interest income |
| Ln (TL) | Total loans | Natural logarithm of the total loans for conventional banks and total finance in case of Islamic banks |
| Ln (LIQ) | Liquidity | Natural logarithm of Liquid assets/liabilities |
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