14.4 (a) - 1.3960 -0.0117X+0.0286X2. (b) For a given capital adequacy, for each increase of 1% in efficiency ratio, ROAA decreases by 0.0117%. For a given efficiency ratio, for each increase of 1% in capital adequacy, ROAA increases by 0.0286% (c) 9 = 1.1214 (d) 1.0798 S Mylx = 1.1629. (e) 0.5679 = Y;