| Variables | Coefficient | p-value |
| NLP (−1) | 0.785*** | 0.000 |
| TxGDP | 0.048 | 0.543 |
| PCS | 0.155*** | 0.000 |
| ROE | −0.037 | 0.355 |
| ROA | −1.628*** | 0.000 |
| LDR | 0.004 | 0.918 |
| CPI | −0.346*** | 0.000 |
| Cons | 17,579 | 0.000 |