1. Term Country Rating, llpnir = Loan Loss Prov / Net Int Rev, iil = Interest Income on Loans, cgsys = Corporate governance system, Roa = Return on Assets, tnioc = Total Non-Interest Operating Income, tcr = Total Capital Ratio, GoodPractIndex = Good corporate governance Index;North -South;et = Equity / Total Assets References Alali,2012
2. The sovereign-bank rating channel and rating agencies' downgrades during the European debt crisis;R Alsakka;Journal of International Money and Finance,2014
3. Statistical bond rating classification using financial and accounting data;E Altman;Topical Research in Accounting,1976