Dependent Variable | Overhead-Cost Ratio | |
Fixed Effects | Random Effects | |
SND ratio (t − 1) | −0.097** | −0.098** |
(−3.899) | (−3.957) | |
Cash ratio | 0.063** | 0.066** |
(7.835) | (8.206) | |
Non-interest-income ratio | 0.024** | 0.024** |
(13.407) | (13.544) | |
Market share | 0.0003 | 0.0003 |
(0.469) | (0.509) | |
NPL ratio | 0.282* | 0.306** |
(2.473) | (2.778) | |
Capital ratio | 0.183** | 0.190** |
(3.804) | (3.939) | |
Asset size | −0.001** | −0.001** |
(−4.188) | (−4.270) | |
Observations | 1614 | |
F test (p-value) | 0.000 | |
Hausman test (p-value) | 0.430 | |
Adjusted R-squared | 0.204 |