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Consider LCSH for broader concepts like "Bank management" or "Financial ratios" if they are central to the study's analysis or implications. (1)
Extract the key financial and macroeconomic variables examined as determinants: capital adequacy, contingent liability, default risk, inflation, liquidity ratio, return on asset, return on equity, and non-performing loans. (1)
Find LCSH for the type of institution: "Banks, Commercial" and apply the geographical subdivision "--Bangladesh." (1)
Identify LCSH for the concept of "financial distress" or "financial crises" in the banking sector, with geographical subdivision. (1)
Identify the core subject of the study: financial distress and non-performing loans in banks (1)
Pinpoint the specific type of institutions and geographical scope: state-owned commercial banks in Bangladesh. (1)
Research Library of Congress Subject Headings (LCSH) for the primary dependent variable: "Nonperforming loans." (1)

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