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Abstract
This article presents an econometric assessment of the impact of macroeconomic and microeconomic factors on the efficiency of commercial banks. Return on Assets (ROA) is used as the main performance indicator. The Ordinary Least Squares (OLS) method is applied to construct a regression model. The results show that macroeconomic factors such as inflation and GDP growth have a significant impact on banking performance. At the same time, microeconomic indicators, including loan portfolio size, liquidity, and capital adequacy, exert a stronger influence on bank efficiency. The findings can be used to improve banking performance and enhance financial policy.
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