ROA = Return on Assets ROE = Return on Equity CAR = Risk-weighted Capital Adequacy Ratio NPLTTA = NPL to Total Assets Ratio NPLTTL = NPL to Total Loans Ratio TLTTA = Loans to Total Assets Ratio CTI = Costs to Income Ratio OETTA = Operating Expenses to Assets Ratio NIM = Net Interest Margin LTD = Loans to Deposits ratio LGB = log (total assets) GDPGR = Annual Gross Domestic Product Growth Ratio CPI = Consumer Price index This