| CIR | Risk | TAT | Risk |
DTI | −0.0247** | −0.5050** | −0.0012* | −0.0047* |
| (−1.40) | (−0.45) | (−0.24) | (−0.37) |
CIR |
| 0.0330** |
|
|
|
| (1.10) |
|
|
TAT |
|
|
| 0.2872** |
|
|
|
| (0.11) |
Controls | YES | YES | YES | YES |
_cons | 131.2668*** | −1.2488 | 5.0684*** | 3.8316 |
| (6.97) | (−0.23) | (4.28) | (0.88) |
Individual | YES | YES | YES | YES |
Time | YES | YES | YES | YES |
F-test | 4.31 | 4.72 | 3.57 | 3.55 |
| Prob > F = 0.0000 | Prob > F = 0.0000 | Prob > F = 0.0000 | Prob > F = 0.0000 |