Note(s): The table reports Ordinary Least Squares (OLS) regression estimates for Gross Non-Performing Assets (NPAs) over the period 2004–2024. The dependent variable is Gross NPAs. The model exhibits strong explanatory power (R2 = 0.742; adjusted R2 = 0.729) and is statistically significant overall (F-statistic = 54.67, p < 0.001)