Summary of statistics
| Banks/Variables | CR | GRLO | ROA | ETA | LTA | DL | CTA | TA |
|---|---|---|---|---|---|---|---|---|
| Cooperative banks | ||||||||
| (N = 9,611) | 0.0163 | 9938.54 | 0.0053 | 0.1337 | 0.6213 | 1.1752 | 0.0746 | 274437.2 |
| 0.0194 | 41383.03 | 0.0270 | 0.0415 | 0.1928 | 16.1989 | 0.052 | 465499.4 | |
| Commercial banks | ||||||||
| (N = 4,537) | 0.0137 | 239758.6 | −0.0000 | 0.1275 | 0.6005 | 24.8065 | 0.0802 | 1.24e+07 |
| 0.0226 | 5193563 | 0.03288 | 0.0847 | 0.2827 | 349.4974 | 0.0704 | 4.22e+07 | |
| Popular banks | ||||||||
| (N = 1,119) | 0.0192 | 285044 | 0.0049 | 0.1332 | 0.6453 | 0.9080 | 0.0715 | 9993896 |
| 0.0286 | 2513528 | 0.0159 | 0.0629 | 0.1905 | 0.6550 | 0.0498 | 2.10e+07 | |
| North-West | ||||||||
| (N = 5,235) | 0.0120 | 95452,23 | 0.0061 | 0.1376 | 0.6921 | 2.3599 | 0.0743 | 2894735 |
| 0.0179 | 2077605 | 0.0327 | 0.0512 | 0.2068 | 76.9778 | 0.0510 | 17400000 | |
| North-East | ||||||||
| (N = 3,238) | 0.0134 | 292389.8 | 0.0005 | 0.1286 | 0.5940 | 17.6598 | 0.0798 | 8832653 |
| 0.0202 | 4944393 | 0.0326 | 0.0720 | 0.2637 | 218.0379 | 0.0709 | 35400000 | |
| Centre | ||||||||
| (N = 2,860) | 0.0165 | 16129.28 | 0.0039 | 0.1229 | 0.6135 | 8.095 | 0.0758 | 5646839 |
| 0.0219 | 2199006 | 0.0253 | 0.0535 | 0.2122 | 258.9389 | 0.0562 | 21200000 | |
| South | ||||||||
| (N = 3,934) | 0.0222 | −8276.78 | 0.0029 | 0.1334 | 0.5382 | 8.1774 | 0.0755 | 2581162 |
| 0.0241 | 1575316 | 0.0186 | 0.0610 | 0.1816 | 214.7064 | 0.0563 | 22800000 | |
| All sample | ||||||||
| (N = 15,267) | 0.0158 | 95258,62 | 0.0037 | 0.1318 | 0.6169 | 8.1783 | 0.0760 | 4588873 |
| 0.0213 | 2855534 | 0.0284 | 0.0593 | 0.2236 | 191.2491 | 0.0581 | 24400000 |
| Banks/Variables | CR | GRLO | ROA | ETA | LTA | DL | CTA | TA |
|---|---|---|---|---|---|---|---|---|
| 0.0163 | 9938.54 | 0.0053 | 0.1337 | 0.6213 | 1.1752 | 0.0746 | 274437.2 | |
| 0.0194 | 41383.03 | 0.0270 | 0.0415 | 0.1928 | 16.1989 | 0.052 | 465499.4 | |
| 0.0137 | 239758.6 | −0.0000 | 0.1275 | 0.6005 | 24.8065 | 0.0802 | 1.24e+07 | |
| 0.0226 | 5193563 | 0.03288 | 0.0847 | 0.2827 | 349.4974 | 0.0704 | 4.22e+07 | |
| 0.0192 | 285044 | 0.0049 | 0.1332 | 0.6453 | 0.9080 | 0.0715 | 9993896 | |
| 0.0286 | 2513528 | 0.0159 | 0.0629 | 0.1905 | 0.6550 | 0.0498 | 2.10e+07 | |
| 0.0120 | 95452,23 | 0.0061 | 0.1376 | 0.6921 | 2.3599 | 0.0743 | 2894735 | |
| 0.0179 | 2077605 | 0.0327 | 0.0512 | 0.2068 | 76.9778 | 0.0510 | 17400000 | |
| 0.0134 | 292389.8 | 0.0005 | 0.1286 | 0.5940 | 17.6598 | 0.0798 | 8832653 | |
| 0.0202 | 4944393 | 0.0326 | 0.0720 | 0.2637 | 218.0379 | 0.0709 | 35400000 | |
| 0.0165 | 16129.28 | 0.0039 | 0.1229 | 0.6135 | 8.095 | 0.0758 | 5646839 | |
| 0.0219 | 2199006 | 0.0253 | 0.0535 | 0.2122 | 258.9389 | 0.0562 | 21200000 | |
| 0.0222 | −8276.78 | 0.0029 | 0.1334 | 0.5382 | 8.1774 | 0.0755 | 2581162 | |
| 0.0241 | 1575316 | 0.0186 | 0.0610 | 0.1816 | 214.7064 | 0.0563 | 22800000 | |
| 0.0158 | 95258,62 | 0.0037 | 0.1318 | 0.6169 | 8.1783 | 0.0760 | 4588873 | |
| 0.0213 | 2855534 | 0.0284 | 0.0593 | 0.2236 | 191.2491 | 0.0581 | 24400000 |
Notes:
See Table 1 for more details about the description and construction of variables included in the regression. All variables averaged between 1994 and 2015. All monetary aggregates are in thousands of euros (at 2005 prices). Standard deviation in parentheses
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