Predicting the Performance of Rural Banks in Ghana Using Machine Learning Approach

Table 2

Independent variables used by ARB (source: Association of Rural Banks Quarter Report, 2017).

Independent variables
Paid-up capital	Loss/NPL ratio	Other assets to total assets ratio	Return on earning assets
Capital adequacy ratio (CAR)	Earning assets to total assets ratio	Property, plant, and equipment to total assets ratio	Costs to income ratio
Past due ratio	Liquid assets to total assets ratio	Return on assets (ROA)	Average primary reserve ratio for the quarter
Nonperforming loans (NPL) ratio	Advances to loanable funds ratio	Return on equity (ROE)	Average secondary reserve ratio for the quarter