| 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 |