Table III Descriptive statistics of main...

Table III

Descriptive statistics of main regression variables

Variable	Obs.	Mean	SD	Min.	Max.
Bank level
Z-score	1,203	24.39	25.26	−7.76	238.36
LogZscore	1,196	2.82	0.91	−2.08	5.47
CGFL	1,319	5.80	0.75	4	7
BanImpFamSt	1,320	0.34	0.47	0	1
BanImpGovSt	1,320	0.22	0.41	0	1
BanImpInsInvSt	1,320	0.86	0.35	0	1
IslBank	1,224	0.32	0.47	0	1
TotAss (mil)	1,203	8,355.31	13,894.40	28.35	100,784.00
NetLoaTotA (%)	1,137	44.30	21.51	0	98.19
CosToInc (%)	1,111	46.02	18.36	15.69	120
GrowGroLoa (%)	1,037	17.98	25.55	−39.31	126.88
EquAss (%)	1,203	0.22	0.21	0.1	0.99
Country level
WGI	1,320	−0.19	0.62	−1.62	0.79
ProRigIndex	1,064	46.94	12.79	10	70
DIClim/GDP per capita (time)	640	3.67	5.23	0.32	36.24
GDPgro (%)	1,306	5.54	7.93	−62.08	104.48
GDPperCap ($)	1,306	22,280.17	22,376.16	751.42	99,731.10
Infl (%)	1,306	6.13	5.59	−4.87	35.55

Variable	Obs.	Mean	SD	Min.	Max.
Bank level
Z-score	1,203	24.39	25.26	−7.76	238.36
LogZscore	1,196	2.82	0.91	−2.08	5.47
CGFL	1,319	5.80	0.75	4	7
BanImpFamSt	1,320	0.34	0.47	0	1
BanImpGovSt	1,320	0.22	0.41	0	1
BanImpInsInvSt	1,320	0.86	0.35	0	1
IslBank	1,224	0.32	0.47	0	1
TotAss (mil)	1,203	8,355.31	13,894.40	28.35	100,784.00
NetLoaTotA (%)	1,137	44.30	21.51	0	98.19
CosToInc (%)	1,111	46.02	18.36	15.69	120
GrowGroLoa (%)	1,037	17.98	25.55	−39.31	126.88
EquAss (%)	1,203	0.22	0.21	0.1	0.99
Country level
WGI	1,320	−0.19	0.62	−1.62	0.79
ProRigIndex	1,064	46.94	12.79	10	70
DIClim/GDP per capita (time)	640	3.67	5.23	0.32	36.24
GDPgro (%)	1,306	5.54	7.93	−62.08	104.48
GDPperCap ($)	1,306	22,280.17	22,376.16	751.42	99,731.10
Infl (%)	1,306	6.13	5.59	−4.87	35.55

Source: Authors’ calculations based on BankScope data, annual reports, WGIs, Property Rights from Heritage Economic Freedom Index and IMF publications

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