AT

AT3

NPL

LNZ

NPL

LNZ

AT

0.0562

−0.0168

(0.9958)

(−0.3087)

BF × AT

−0.0287^*

0.0007

(−1.8049)

(0.0547)

BF

0.1315^**

0.1014

0.1410^**

0.1184

(2.1760)

(1.1780)

(2.4678)

(1.4475)

AT3

0.3013^*

−0.0198

(1.8611)

(−0.0937)

BF × AT3

0.0511^*

−0.0240

(1.8927)

(−0.4912)

PREC

0.1748

−0.0279

0.1591

−0.0313

(1.4651)

(−0.5195)

(1.3520)

(−0.5715)

SS

−0.1784

−0.0357

−0.1753

−0.0173

(−1.4369)

(−0.8858)

(−1.3832)

(−0.4362)

size

−0.0478

0.2154^***

−0.1041

0.1986^***

(−0.3656)

(3.4505)

(−0.7375)

(3.4526)

dep

−0.0084

0.0180

−0.0088

0.0166

(−0.6307)

(1.4554)

(−0.6488)

(1.3208)

car

0.0371

0.0786^***

0.0461

0.0819^***

(0.5822)

(3.0100)

(0.7003)

(3.0867)

EA

−0.0043

−0.0293

−0.0187

−0.0366

(−0.0406)

(−0.6149)

(−0.1721)

(−0.7658)

ROA

0.5503^***

0.0943

0.4888^**

0.0934

(2.6192)

(0.8916)

(2.4402)

(0.8686)

LNGDP

0.0418

0.0240

0.0077

0.0205

(1.2436)

(0.7865)

(0.2893)

(0.6674)

LNP

2.0930^***

−0.0466

2.3548^***

−0.0385

(3.2778)

(−0.2455)

(3.2866)

(−0.2143)

t

0.0810

−0.0942^***

0.1036

−0.0857^***

(1.0015)

(−4.2772)

(1.1870)

(−4.0387)

_cons

−6.8106^***

−1.7453

−6.6779^***

−1.3724

(−2.6566)

(−1.0852)

(−2.7465)

(−0.8432)

r2_a

0.0798

0.1196

0.0690

0.1318

F

3.4162

7.1301

6.8481

7.0440