Descriptive statistics
| Variable | Obs | Mean | Std. dev. | Min | Max | VIF | SWILK |
|---|---|---|---|---|---|---|---|
| ROA | 284 | 0.017 | 0.072 | −0.53 | 0.34 | – | 0.000*** |
| NIM | 284 | 0.149 | 0.106 | −0.09 | 1.43 | – | 0.000*** |
| ROE | 283 | 0.053 | 0.993 | −13.44 | 3.8 | – | 0.000*** |
| HCE | 267 | 1.552 | 0.95 | −3 | 6.2 | 3.48 | 0.000*** |
| SCE | 269 | −0.487 | 13.792 | −225.48 | 6.61 | 1.57 | 0.000*** |
| CEE | 283 | 1.03 | 6.497 | −8.85 | 108.72 | 9.18 | 0.000*** |
| RCE | 169 | 0.04 | 0.148 | −1.17 | 0.97 | 1.62 | 0.000*** |
| MVAIC | 267 | 1.486 | 14.208 | −226.15 | 33.71 | 9.89 | 0.000*** |
| SoD | 265 | 7.525 | 1.933 | 3 | 13 | 1.48 | 0.007*** |
| RoWoB | 263 | 0.13 | 0.123 | 0 | 0.6 | 1.14 | 0.000*** |
| OSS | 283 | 115.391 | 41.823 | −15.78 | 394.68 | 2.73 | 0.000*** |
| LIQU | 283 | 0.119 | 0.102 | 0.002 | 0.743 | 1.31 | 0.000*** |
| BusSize | 284 | 18.29 | 1.39 | 11.39 | 21.12 | 1.36 | 0.000*** |
| Leverage | 284 | 0.853 | 0.158 | 0 | 2.05 | 2.36 | 0.000*** |
| GDPgrwth | 284 | 4.652 | 2.568 | 0.51 | 14.05 | 1.08 | 0.000*** |
| Variable | Obs | Mean | Std. dev. | Min | Max | VIF | SWILK |
|---|---|---|---|---|---|---|---|
| ROA | 284 | 0.017 | 0.072 | −0.53 | 0.34 | – | 0.000*** |
| NIM | 284 | 0.149 | 0.106 | −0.09 | 1.43 | – | 0.000*** |
| ROE | 283 | 0.053 | 0.993 | −13.44 | 3.8 | – | 0.000*** |
| HCE | 267 | 1.552 | 0.95 | −3 | 6.2 | 3.48 | 0.000*** |
| SCE | 269 | −0.487 | 13.792 | −225.48 | 6.61 | 1.57 | 0.000*** |
| CEE | 283 | 1.03 | 6.497 | −8.85 | 108.72 | 9.18 | 0.000*** |
| RCE | 169 | 0.04 | 0.148 | −1.17 | 0.97 | 1.62 | 0.000*** |
| MVAIC | 267 | 1.486 | 14.208 | −226.15 | 33.71 | 9.89 | 0.000*** |
| SoD | 265 | 7.525 | 1.933 | 3 | 13 | 1.48 | 0.007*** |
| RoWoB | 263 | 0.13 | 0.123 | 0 | 0.6 | 1.14 | 0.000*** |
| OSS | 283 | 115.391 | 41.823 | −15.78 | 394.68 | 2.73 | 0.000*** |
| LIQU | 283 | 0.119 | 0.102 | 0.002 | 0.743 | 1.31 | 0.000*** |
| BusSize | 284 | 18.29 | 1.39 | 11.39 | 21.12 | 1.36 | 0.000*** |
| Leverage | 284 | 0.853 | 0.158 | 0 | 2.05 | 2.36 | 0.000*** |
| GDPgrwth | 284 | 4.652 | 2.568 | 0.51 | 14.05 | 1.08 | 0.000*** |
Note(s): For measurement and description of variables, see Table 1
Source(s): Descriptive statistics generated based on data from the audited reports