Table 1 Factor loadings, CR and AVE for...

Table 1

Factor loadings, CR and AVE for constructs in a measurement model

Variable	Factor loading	CR	AVE
Negative WOM		0.936	0.786
I intend to say negative things about “my bank” to friends and relatives	0.844
I intend to recommend to my friends and relatives that they not use products of “my bank”	0.941
I intend to discredit “my bank” to my friends and relatives	0.825
I intend to suggest to my friends and relatives not to buy the products of “my bank”	0.930
Blame		0.934	0.824
“My bank” is to blame for the difficulties of Swiss franc borrowers	0.935
The difficult situation of Swiss franc borrowers is entirely the fault of “my bank”	0.925
To what extent is “your bank” responsible for the difficulties of Swiss franc borrowers?	0.862
Market-driven attributions (CHF mortgage loans were offered because…)		0.867	0.635
banks wanted to achieve better financial performance	0.416
banks wanted to become more competitive	0.898
banks wanted to gain an edge over competitors	0.894
banks wanted to improve their competitive position	0.872
Unethicality-driven attributions (CHF mortgage loans were offered because…)		0.904	0.760
ethical issues were treated as irrelevant in banks	0.829
banks permitted for unethical behaviour	0.941
banks had an unethical organisational culture	0.841
Difficulty-driven attributions (CHF mortgage loans were offered because…)		0.951	0.867
banks were in a difficult situation	0.942
banks wanted to defend themselves against difficulties	0.930
difficult situation must have prompted banks to do it	0.921
Rogue employee-driven attributions (CHF mortgage loans were offered because…)		0.963	0.868
some employees in banks were greedy	0.908
some employees in banks acted unethically	0.945
some employees in banks acted dishonestly	0.947
some employees in banks were immoral	0.926
Irresponsibility appraisal (Offering mortgage loans in CHF was…)		0.926	0.758
unfair	0.877
harmful	0.863
dishonest	0.890
disloyal	0.851

Variable	Factor loading	CR	AVE
Negative WOM		0.936	0.786
I intend to say negative things about “my bank” to friends and relatives	0.844
I intend to recommend to my friends and relatives that they not use products of “my bank”	0.941
I intend to discredit “my bank” to my friends and relatives	0.825
I intend to suggest to my friends and relatives not to buy the products of “my bank”	0.930
Blame		0.934	0.824
“My bank” is to blame for the difficulties of Swiss franc borrowers	0.935
The difficult situation of Swiss franc borrowers is entirely the fault of “my bank”	0.925
To what extent is “your bank” responsible for the difficulties of Swiss franc borrowers?	0.862
Market-driven attributions (CHF mortgage loans were offered because…)		0.867	0.635
banks wanted to achieve better financial performance	0.416
banks wanted to become more competitive	0.898
banks wanted to gain an edge over competitors	0.894
banks wanted to improve their competitive position	0.872
Unethicality-driven attributions (CHF mortgage loans were offered because…)		0.904	0.760
ethical issues were treated as irrelevant in banks	0.829
banks permitted for unethical behaviour	0.941
banks had an unethical organisational culture	0.841
Difficulty-driven attributions (CHF mortgage loans were offered because…)		0.951	0.867
banks were in a difficult situation	0.942
banks wanted to defend themselves against difficulties	0.930
difficult situation must have prompted banks to do it	0.921
Rogue employee-driven attributions (CHF mortgage loans were offered because…)		0.963	0.868
some employees in banks were greedy	0.908
some employees in banks acted unethically	0.945
some employees in banks acted dishonestly	0.947
some employees in banks were immoral	0.926
Irresponsibility appraisal (Offering mortgage loans in CHF was…)		0.926	0.758
unfair	0.877
harmful	0.863
dishonest	0.890
disloyal	0.851

Notes:

CR = composite reliability; AVE = average variance extracted

Source: Own research

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