Model

Model (1)

Model (2)

Model (3)

Model (4)

Variables

ROE

CIR

NIIR

NPL

Constant

0.683 (0.543)

2.49*** (7.885)

−211.363 (−1.503)

−0.095 (−1.648)

SI

0.128 (0.479)

−0.282*** (−4.014)

155.715***(−3.698)

0.031** (−2.397)

GDP

−0.009 (−1.221)

0.003* (1.707)

2.670*** (2.956)

0.002*** (4.379)

AS

−0.047 (−0.485)

−0.177*** (−7.281)

11.300* (1.044)

0.007 (1.647)

PRS

0.046 (0.607)

0.102*** (5.324)

20.036** (2.348)

−0.001 (−0.391)

ER

0.004 (1.484)

0.001 (−0.873)

−0.431 (−1.275)

0.000 (−0.171)

Adj-R2

0.007

0.707

0.596

0.372

F

1.087

40.556

25.208

10.696

F significant

0.379

0.000

0.000

0.000