总体银行组

国有银行组

股份制银行组

ROA

ROA

ROA

ASSET

0.00137^***

0.00340^***

0.00115^***

(5.33)

(3.91)

(4.24)

INUM

0.0000309

−0.00129

−0.0000489

(0.11)

(−1.37)

(−0.16)

OWN

−0.00241^*

(−2.43)

LTD

−0.00558

0.00866

−0.0151^***

(−1.75)

(1.59)

(−3.93)

NPLR

0.0105

−0.0123

−0.0447^**

(0.96)

(−0.64)

(−3.19)

ESIZE

0.0435^***

0.00363

0.0750^***

(3.51)

(0.19)

(5.89)

INO

0.00733^**

0.00187

0.00681^*

(2.68)

(0.48)

(2.36)

IRS

0.506^***

0.429^***

0.382^***

(7.48)

(4.11)

(5.66)

ER

−0.722^***

−0.131

−0.259

(−5.94)

(−0.61)

(−1.78)

_cons

−0.0335^***

−0.0932^***

−0.0222^**

(−5.31)

(−5.06)

(−3.25)

N

127

44

83

R²

0.662

0.807

0.800

adj. R²

0.636

0.763

0.778