Table 7. Descriptive statistics for...

Table 7.

Descriptive statistics for Tobit regression variables

Variable		N	Mean		St dev		p25	p50	p75	Min	Max
Panel A: Descriptive statistics
Eff_Score_input		5,789	0.72		0.14		0.62	0.70	0.81	0.30	1.00
Eff_Score_output		5,789	0.73		0.14		0.63	0.71	0.81	0.30	1.00
Age (days)		4,482	27,445.09		14,543.30		11,297.00	36,842.00	40,540.00	518.00	44,924.00
Size		5,788	16.41		1.92		15.16	16.30	17.41	11.05	21.70
GDP (%)		5,775	1.88		3.71		0.83	1.98	3.24	−29.10	24.48
Inflation (%)		5,746	2.74		4.59		0.77	1.75	2.81	−2.10	72.31
Capital_ratio (%)		4,808	18.49		8.11		14.20	17.24	20.70	1.75	172.00
Liquidity_ratio		5,693	0.99		1.79		0.70	0.90	1.04	0.00	78.29
ROA (%)		5,789	0.83		0.84		0.37	0.63	1.06	−3.02	20.26
Provision_ratio (%)		5,555	3.22		4.57		1.03	2.20	3.71	0.00	93.05
Off_balance (millions EUR)		5,638	19,500.00		61,400.00		362.95	1,611.58	5,625.77	−1,174.95	889,000.00
D_SSM		5,789	0.36		0.48
Panel B: Correlation matrix
	Eff_Score_input	Eff_Score_output	Age	Size	GDP	Inflation	Capital_ratio	Liquidity_ratio	ROA	Provision_ratio	Off_ balance
Eff_Score_output	0.982*	1
Age	−0.095*	−0.095*	1
Size	0.166*	0.244*	0.030*	1
GDP	0.039*	0.042*	−0.057*	0.002	1
Inflation	0.070*	0.071*	−0.106*	−0.025	0.204*	1
Capital_ ratio	−0.026	−0.050*	0.042*	−0.222*	0.013	0.009	1
Liquidity_ ratio	0.039*	0.037*	0.030*	0.042*	−0.008	−0.004	0.004	1
ROA	0.280*	0.271*	−0.315*	−0.242*	0.138*	0.170*	0.085*	−0.034*	1
Provision_ ratio	−0.030*	−0.033*	−0.145*	−0.157*	−0.041*	0.061*	−0.043*	0.029*	0.194*	1
Off_ balance	0.185*	0.225*	0.022*	0.559*	−0.008	−0.030*	−0.087*	−0.029*	−0.141*	−0.062*	1
D_SSM	−0.297*	−0.292*	0.106*	0.049*	−0.014	−0.160*	0.224*	−0.009	−0.152*	−0.029*	0.008

Variable		N	Mean		St dev		p25	p50	p75	Min	Max
Panel A: Descriptive statistics
Eff_Score_input		5,789	0.72		0.14		0.62	0.70	0.81	0.30	1.00
Eff_Score_output		5,789	0.73		0.14		0.63	0.71	0.81	0.30	1.00
Age (days)		4,482	27,445.09		14,543.30		11,297.00	36,842.00	40,540.00	518.00	44,924.00
Size		5,788	16.41		1.92		15.16	16.30	17.41	11.05	21.70
GDP (%)		5,775	1.88		3.71		0.83	1.98	3.24	−29.10	24.48
Inflation (%)		5,746	2.74		4.59		0.77	1.75	2.81	−2.10	72.31
Capital_ratio (%)		4,808	18.49		8.11		14.20	17.24	20.70	1.75	172.00
Liquidity_ratio		5,693	0.99		1.79		0.70	0.90	1.04	0.00	78.29
ROA (%)		5,789	0.83		0.84		0.37	0.63	1.06	−3.02	20.26
Provision_ratio (%)		5,555	3.22		4.57		1.03	2.20	3.71	0.00	93.05
Off_balance (millions EUR)		5,638	19,500.00		61,400.00		362.95	1,611.58	5,625.77	−1,174.95	889,000.00
D_SSM		5,789	0.36		0.48
Panel B: Correlation matrix
	Eff_Score_input	Eff_Score_output	Age	Size	GDP	Inflation	Capital_ratio	Liquidity_ratio	ROA	Provision_ratio	Off_ balance
Eff_Score_output	0.982*	1
Age	−0.095*	−0.095*	1
Size	0.166*	0.244*	0.030*	1
GDP	0.039*	0.042*	−0.057*	0.002	1
Inflation	0.070*	0.071*	−0.106*	−0.025	0.204*	1
Capital_ ratio	−0.026	−0.050*	0.042*	−0.222*	0.013	0.009	1
Liquidity_ ratio	0.039*	0.037*	0.030*	0.042*	−0.008	−0.004	0.004	1
ROA	0.280*	0.271*	−0.315*	−0.242*	0.138*	0.170*	0.085*	−0.034*	1
Provision_ ratio	−0.030*	−0.033*	−0.145*	−0.157*	−0.041*	0.061*	−0.043*	0.029*	0.194*	1
Off_ balance	0.185*	0.225*	0.022*	0.559*	−0.008	−0.030*	−0.087*	−0.029*	−0.141*	−0.062*	1
D_SSM	−0.297*	−0.292*	0.106*	0.049*	−0.014	−0.160*	0.224*	−0.009	−0.152*	−0.029*	0.008

Note(s):

*Means statistical significance at 0.05

Source(s): Authors’ own creation

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