| VARIABLES | PAR | 
| Fin | 218.1*** | 
| 
 | (46.66) | 
| CAR | −7.481** | 
| 
 | (5.009) | 
| ROA | 353.3*** | 
| 
 | (96.07) | 
| ldr | 130.3** | 
| 
 | (52.89) | 
| GDP | −247.0 | 
| 
 | (342.2) | 
| M2 | 1,421* | 
| 
 | (744.8) | 
| Constant | −924.7*** | 
| 
 | (327.1) | 
| Observations | 138 | 
| R-squared | 0.509 | 
| Number of bank | 23 |