Table 3 Results of regression models... | Emerald Publishing

Table 3

Results of regression models (1), (2), (3) and (4)

Dependent variable Bank performance(ROA)	Model	Model	Model	Model
	1	2	3	4
Asset quality	−0.075** (−6.63)	−0.066** (−6.98)	−0.067** (−7.09)	−0.064** (−6.60)
Capitalization	0.072** (2.82)	0.055** (2.50)	0.056** (2.56)	0.053** (2.30)
Liquidity	−0.009 (−1.13)	−0.009 (−1.26)	−0.012 (−1.65)	−0.013 (−1.73)
Human capital		0.009** (7.11)	0.009** (7.17)	0.030** (5.02)
Income diversification			−0.022**(−1.98)	0.118** (2.78)
Human capital*income diversification				−0.052** (−3.51)
_cons	0.029	0.003	0.014	−0.041
Hausman (Pr > chi²)	0.0635	0.514	0.537	0.001
R-squared	0.201	0.292	0.289	0.240
No of observations	477	477	477	477

Dependent variableBank performance(ROA)	Model	Model	Model	Model
	1	2	3	4
Asset quality	−0.075** (−6.63)	−0.066** (−6.98)	−0.067** (−7.09)	−0.064** (−6.60)
Capitalization	0.072** (2.82)	0.055** (2.50)	0.056** (2.56)	0.053** (2.30)
Liquidity	−0.009 (−1.13)	−0.009 (−1.26)	−0.012 (−1.65)	−0.013 (−1.73)
Human capital		0.009** (7.11)	0.009** (7.17)	0.030** (5.02)
Income diversification			−0.022**(−1.98)	0.118** (2.78)
Human capital*income diversification				−0.052** (−3.51)
_cons	0.029	0.003	0.014	−0.041
Hausman (Pr > chi²)	0.0635	0.514	0.537	0.001
R-squared	0.201	0.292	0.289	0.240
No of observations	477	477	477	477

Note(s): **Significant at 5%; standard errors (std. err) are in parentheses