总体银行组

国有银行组

股份制银行组

ROE

ROE

ROE

ASSET

0.00954

−0.0206

0.0179^*

(1.54)

(−0.85)

(2.26)

INUM

−0.00561

0.0529

−0.00230

(−0.80)

(1.91)

(−0.26)

OWN

−0.0101

(−0.43)

LTD

−0.0455

0.291

−0.123

(−0.58)

(1.78)

(−1.08)

NPLR

−1.331^***

−2.014^***

−0.504

(−4.52)

(−3.85)

(−1.23)

ESIZE

−0.928^**

−1.080^*

−1.480^***

(−3.13)

(−2.10)

(−3.97)

INO

0.0482

−0.105

0.00182

(0.73)

(−0.99)

(0.02)

IRS

6.653^***

3.473

9.284^***

(4.10)

(1.26)

(4.69)

ER

−6.870^*

−15.91^*

−9.120^*

(−2.31)

(−2.56)

(−2.14)

_cons

−0.0373

0.320

−0.256

(−0.24)

(0.64)

(−1.28)

N

124

41

83

R²

0.371

0.694

0.397

adj. R²

0.321

0.617

0.332