(1)

(2)

(3)

(4)

NPL

NPL

LNZ

LNZ

AT

0.0245^***

0.0037^*

−0.0047^*

−0.0045

(2.6418)

(0.4861)

(−0.4987)

(−0.3892)

PREC

0.0306

0.0567^***

0.0498

0.0705

(1.1001)

(2.6340)

(0.9772)

(1.1455)

SS

0.0945^***

0.0366^**

−0.0100

−0.0016

(3.8476)

(2.1565)

(−0.2275)

(−0.0312)

size

−0.1665^***

0.2132^***

(−3.6960)

(2.8484)

dep

−0.0193^**

0.0251

(−2.0613)

(1.7220)

car

−0.1102^***

0.0161^*

(−2.5942)

(0.3278)

EA

0.1610^***

0.0917

(4.4252)

(1.5968)

ROA

−1.0522^***

−0.0009

(−8.2590)

(−0.0062)

LNGDP

−0.0713^**

0.0429

(−2.4176)

(1.0763)

LNP

0.3731^***

0.1467

(3.4171)

(0.5779)

t

−0.0301

−0.0469

(−1.5647)

(−1.0467)

_cons

1.6450^***

7.3819^***

4.1751^***

−3.8346^*

(35.7533)

(5.7730)

(59.9822)

(−1.9411)

r2_a

0.0404

0.4978

−0.0060

0.0288

F

7.0789

19.5002

0.4090

1.9139