Variable

Coefficients

z statistics

P value

$\text{corporate}$

0.017

4.37

0***

$\Delta \text{capital}$

−0.193

−0.79

0.442

$g_{profit}$

0.002

0.13

0.9

$\Delta \text{loan}$

0.001

2.14

0.048**

$r_{loan}$

−2.63

−2.89

0.011**

$R_{NPLs}$

−1.83

−2.01

0.061*

$\Delta \text{custom}$

0.022

2.66

0.017**

$P_{loan}<50$

0.77

6.82

0***

$\alpha$

0.858

5.68

0***