Table VI

Bank margins

VariableModel 1Model 2Model 3Model 4Model 5Model 6Model 7
Ln (SIZE)−0.006 (−2.090)**−0.006 (−2.220)**−0.007 (−2.610)**−0.007 (−2.380)**−0.007 (−2.370)**−0.005 (−1.740)***−0.006 (−2.130)**
Ln (CR)−0.009 (−2.060)**0.008− (2.100)**−0.009 (−2.390)**−0.010 (−2.380)**−0.010 (−2.190)**−0.008 (−2.160)**−0.006-1.270
Ln (C3)0.003 (1.630)0.03 (1.720)***0.003 (1.940)***0.003 (1.890)***0.003 (1.920)***0.004 (2.880)*0.004 (3.370)*
Ln (GDP)0.003 (0.560)0.004 (0.740)0.005 (0.990)0.004 (1.730)***0.004 (1.860)***0.018 (3.090)*0.027 (3.720)*
Islamic Bank Dummy−0.038 (4.400)*  −0.019 (1.930)***−0.019 (1.920)***−0.020 (1.750)***−0.008 (1.880)***
OWNERSHIP 1 −0.010 (−0.470) −0.018 (−1.160)−0.017 (−0.860)−0.019 (−1.160)−0.031 (−1.840)***
OWNERSHIP 2  0.039 (2.540)**0.035 (2.580)**0.035 (2.580)**0.062 (4.570)*0.063 (5.820)*
GDP×OWNERSHIP 1    0.000 (−0.200)0.000 (−4.800)*0.000 (1.740)***
GDP×OWNERSHIP 2     −0.005 (−1.740)*0.000 (−5.060)*
GDP×Bank Model      0.000 (−2.140)**
Overall R20.0470.0480.0490.0480.0490.1610.178
Within R20.3180.0360.3690.5210.5190.4240.451
Between R20.2790.1100.2080.3440.0.3470.3580.383

Notes: The T-values are in parentheses, *,**,***Significant level at 1, 5 and 10 per cent levels, respectively

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