Table 5

ARDL estimation

Variables(1)(2)(3)(4)
Model 1Model 2Model 2Model 2
ARDL (Lags)ARDL EC (ADJ)ARDL EC (LR)ARDL EC (SR)
L.ZSCORE0.2633*−0.7367***  
(0.1496)(0.1496)  
ROE−47.6855*** −64.7246*** 
(8.0905) (8.1402) 
NPL−64.5863 −87.6644 
(140.9151) (193.7621) 
LNDYB35.2848*** 34.0466** 
(11.5048) (13.2528) 
L.LNDYB−10.2011*   
(5.6833)   
LNPP−40.9007** −55.5155** 
(15.8286) (20.8419) 
PRO5.8309 7.9144 
(7.5290) (9.7083) 
OUT−35.6032 −107.7556*** 
(31.7454) (19.8269) 
L.OUT−43.7852   
(26.5948)   
FLLENDER−0.0139*** −0.0189*** 
(0.0049) (0.0066) 
FLBOR0.0189*** 0.0257*** 
(0.0043) (0.0053) 
D.LNDYB   10.2011*
   (5.6833)
D.OUT   43.7852
   (26.5948)
Constant364.9361***  364.9361***
(71.1887)  (71.1887)
Observations35353535
R-squared0.89900.66820.66820.6682

Note(s): Standard errors in parentheses ***p < 0.01, **p < 0.05 and *p < 0.1

Source(s): Table by author

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