ROA

NPL

COI

(1)

(2)

(3)

(4)

(5)

(6)

SO

−0.3706

0.0964

−0.7565

−5.9888**

0.0612

−0.1937

(1.12)

(0.12)

(0.58)

(2.03)

(0.70)

(0.98)

GovD

0.5986***

0.7777***

−1.4257

−3.4327**

−0.1817**

−0.2795***

(2.11)

(2.03)

(1.27)

(2.28)

(2.44)

(2.79)

SO × GovD

−0.6851

7.6748**

0.3740

(0.69)

(1.98)

(1.44)

Asset

0.7762***

0.7736***

−2.0516***

−2.0227***

−0.2378***

−0.2364***

(5.29)

(5.26)

(3.52)

(3.50)

(6.16)

(6.15)

LA

0.6323

0.6452

−4.4482**

−4.5932***

−0.0872

−0.0942

(1.43)

(1.46)

(2.54)

(2.65)

(0.75)

(0.81)

gdp

0.0266*

0.0261*

0.0903

0.0962*

−0.0107***

−0.0104***

(1.91)

(1.87)

(1.63)

(1.75)

(2.93)

(2.85)

List

0.1055

0.1009

−0.8200**

−0.7687**

−0.0224

−0.0199

(1.10)

(1.05)

(2.17)

(2.05)

(0.89)

(0.80)

N

180

180

180

180

180

180

0.3092

0.3088

0.3369

0.3471

0.3092

0.3482