Note(s): The table reports Ordinary Least Squares (OLS) regression estimates for Net Non-Performing Assets (NPAs) over the period 2004–2024. The dependent variable is Net NPAs. The model explains a moderate proportion of the variation in Net NPAs (R2 = 0.474; adjusted R2 = 0.447) and is statistically significant overall (F-statistic = 17.15, p < 0.001)