ROA

NPL

COI

Hi-GovD

Lo-GovD

Hi-GovD

Lo-GovD

Hi-GovD

Lo-GovD

Hi-SO

1.237

1.342

1.485

1.776

0.560

0.547

(0.269)

(0.322)

(1.123)

(1.008)

(0.083)

(0.082)

Lo-SO

1.245

1.330

1.216

1.140

0.536

0.536

(0.385)

(0.317)

(0.687)

(0.990)

(0.109)

(0.093)