“…Mainly they used two banking characteristics which are Internal (operating efficiency, liquidity, and credit risk) and external factors (Inflation rate, GDP growth rate, political stability, market capitalization) and they have found that these two factors have a strong association with the bank's profitability which lead further to the economic development of a country (Ali, Akhtar, & Ahmed, 2011;Ani, Ugwunta, Ezeudu, & Ugwuanyi, 2012). It has been concluded by researchers (Anbar & Alper, 2011;Eljelly, 2013;Syafri, 2012) that internal factors (cost, liquidity, and size of the banks) and external factors (real Interest rate) are contributing in earning a good profit for the bank's owners. Besides these, market orientation is also one of the internal determents that affects banks performance.…”