| VARIABLES | NPL | 
| Fin | −0.787*** | 
| 
 | (0.201) | 
| CAR | −0.0386** | 
| 
 | (0.0186) | 
| ROA | −1.276*** | 
| 
 | (0.323) | 
| ldr | 0.205** | 
| 
 | (0.119) | 
| GDP | 1.289 | 
| 
 | (1.321) | 
| M2 | 5.464** | 
| 
 | (2.055) | 
| Constant | 4.669*** | 
| 
 | (0.822) | 
| 
 | 
 | 
| Observations | 138 | 
| R-squared | 0.470 | 
| Number of bank | 23 |