“…NIM has a significant and positive relationship with Zscore, implying that as commercial bank profitability increases, so does bank stability (Wang and Lin, 2021). Moreover, LIQUIDITY is found to have a negative impact on Zscore, implying that the higher the liquidity ratio, the greater the risks the bank confronts (Le, 2021a, 2021b). Finally, the negative impact of INF on Zscore implies that higher inflation rates may increase the risk of loan repayment by affecting borrowers' budgets, threatening their liquidity and reducing their repayments (Pervan et al , 2015).…”