Dependent Variable | Deposit Growth Rate | |
Fixed Effects | Random Effects | |
SND ratio (t − 1) | 0.738* | 0.738* |
(2.196) | (2.205) | |
Market share | 0.033** | 0.033** |
(2.739) | (2.773) | |
Overhead-Cost ratio | 0.855* | 0.865* |
(2.012) | (2.027) | |
Cost of deposits ratio | −0.069 | −0.066 |
(−1.637) | (−1.588) | |
NPL ratio | −41.414** | −42.036** |
(−4.215) | (−4.299) | |
Capital ratio | 2.651* | 2.658* |
(2.039) | (2.075) | |
Asset size | 0.004 | 0.004 |
(0.773) | (0.865) | |
Observations | 1617 | |
F test (p-value) | 0.000 | |
Hausman test (p-value) | 0.431 | |
Adjusted R-squared | 0.027 |