We also consider two components of

We also consider two components of the z-score, most notably
the return on assets and the capital-asset ratio. Return on assets
varies from

40% to 30% across banks and over time, with an aver-
age of 1.2%, while the capital-asset ratio varies from 3.9% to 27.1%
across banks and over the sample period, with an average of 11.9%.
Islamic banks are significantly more profitable and better capital-
ized than conventional banks; however, since their z-scores are
still lower, their returns also tend to be much more volatile.

Hasil (Bahasa Indonesia) 2:

Kami juga mempertimbangkan dua komponen dari z-skor, terutama
pengembalian aset dan rasio modal-aset. Return on asset
bervariasi dari
?
40% sampai 30% di bank dan dari waktu ke waktu, dengan rata-
usia 1,2%, sedangkan rasio modal-aset bervariasi dari 3,9% menjadi 27,1%
di bank dan selama periode sampel, dengan rata-rata . 11,9%
bank syariah secara signifikan lebih menguntungkan dan lebih baik padat modal
terwujud dari bank konvensional; Namun, karena mereka z-skor yang
masih rendah, keuntungan mereka juga cenderung jauh lebih stabil.