Table 5 Reducing services from a bank...

Table 5

Reducing services from a bank

	(1)	(2)	(3)	(4)	(5)	(6)	(7)
Variables	Model 1	Model 2	Model 3	Model 4	Marginal effects 4	Model 5	Marginal effects 5
Reputation	−0.101			−0.134	−0.0426	−0.178	−0.052
Reputation	(0.138)			(0.145)	(0.047)	(0.149)	(0.044)
Price	0.478***			0.365**	0.012***	0.401***	0.012***
Price	(0.139)			(0.146)	(0.045)	(0.153)	(0.043)
Location	−0.229*			−0.219*	−0.072***	−0.109	−0.0318
Location	(0.124)			(0.125)	(0.040)	(0.133)	(0.039)
Offer Info		0.658***		0.544**	0.179**	0.299	0.0885
Offer Info		(0.234)		(0.245)	(0.078)	(0.261)	(0.077)
Recommend Info		0.715***		0.552**	0.182**	0.307	0.091
Recommend Info		(0.224)		(0.234)	(0.074)	(0.247)	(0.073)
CFO/Board			−0.238	−0.197	−0.0636	0.0746	0.0243
CFO/Board			(0.188)	(0.206)	(0.068)	(0.224)	(0.067)
Log Employees						0.861***	0.26***
Log Employees						(0.199)	(0.051)
Log Bank Branches	0.0971	0.102	0.124	0.114	0.037	0.134	0.04
Log Bank Branches	(0.107)	(0.105)	(0.104)	(0.110)	(0.036)	(0.114)	(0.034)
Constant	−0.731	−1.321*	−0.328	−1.160		−5.381***
Constant	(0.925)	(0.747)	(0.681)	(0.958)		(1.405)
Observations	200	200	200	200		200

	(1)	(2)	(3)	(4)	(5)	(6)	(7)
Variables	Model 1	Model 2	Model 3	Model 4	Marginal effects 4	Model 5	Marginal effects 5
Reputation	−0.101			−0.134	−0.0426	−0.178	−0.052
Reputation	(0.138)			(0.145)	(0.047)	(0.149)	(0.044)
Price	0.478***			0.365**	0.012***	0.401***	0.012***
Price	(0.139)			(0.146)	(0.045)	(0.153)	(0.043)
Location	−0.229*			−0.219*	−0.072***	−0.109	−0.0318
Location	(0.124)			(0.125)	(0.040)	(0.133)	(0.039)
Offer Info		0.658***		0.544**	0.179**	0.299	0.0885
Offer Info		(0.234)		(0.245)	(0.078)	(0.261)	(0.077)
Recommend Info		0.715***		0.552**	0.182**	0.307	0.091
Recommend Info		(0.224)		(0.234)	(0.074)	(0.247)	(0.073)
CFO/Board			−0.238	−0.197	−0.0636	0.0746	0.0243
CFO/Board			(0.188)	(0.206)	(0.068)	(0.224)	(0.067)
Log Employees						0.861***	0.26***
Log Employees						(0.199)	(0.051)
Log Bank Branches	0.0971	0.102	0.124	0.114	0.037	0.134	0.04
Log Bank Branches	(0.107)	(0.105)	(0.104)	(0.110)	(0.036)	(0.114)	(0.034)
Constant	−0.731	−1.321*	−0.328	−1.160		−5.381***
Constant	(0.925)	(0.747)	(0.681)	(0.958)		(1.405)
Observations	200	200	200	200		200

Note(s): The probit estimation results, with dependent variable “Reduce” are presented for five different models in the table. The first row of every explanatory variable presents estimation. Marginal Effects for Reducing Relationship with Banks for model 4 & 5 are given in column 5 & 7. The standard errors of the estimation are given in brackets. Table 1 defines every variable

*** significant at 1%, ** significant at 5%, * significant at 10%

Source(s): Authors' own work

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