(1)

(2)

(3)

(Intercept)

74.057*

65.373

73.519*

(41.050)

(43.878)

(41.088)

Year

−0.038*

−0.034

−0.038*

(0.020)

(0.022)

(0.020)

Dummy Service = 1

−0.124

−0.094

−0.112

(0.157)

(0.168)

(0.161)

LnAssets

0.020

(0.042)

LnRevenues

0.010

(0.035)

Size_premium

0.109**

0.109**

0.111**

(0.052)

(0.052)

(0.052)

Systematic_CoC

0.081**

0.077**

0.077**

(0.037)

(0.038)

(0.039)

Pseudo R²

0.234

0.240

0.237