| ROA Analysis | Coefficients | t Stat | ROE Analysis | Coefficients | t Stat |
| Intercept | 1.47 | 1.49 | Intercept | 39.70*** | 4.02 |
| Bank size | −0.08 | −0.80 | Bank size | −1.02 | −1.08 |
| ECTA | 0.02*** | 4.85 | ECTA | −0.05 | −1.06 |
| OE | 0.49*** | 4.08 | OE | −1.00 | −0.84 |
| CDR | −0.01*** | −2.32 | CDR | −0.20*** | −3.22 |
| NPAR | −0.20*** | −6.92 | NPAR | −2.13*** | −7.33 |
| PSL | −0.01 | −0.89 | PSL | −0.42*** | −3.07 |
| RII | 0.23*** | 2.34 | RII | 1.81 | 1.85 |
| RWI | 0.00 | −0.41 | RWI | 0.58*** | 5.18 |
| KF | −0.29*** | −3.09 | KF | 0.92 | 0.96 |
| Dgdp | 0.02*** | 3.32 | Dgdp | −0.18*** | −2.50 |
| Mgdp | 0.00 | 1.21 | Mgdp | 0.01 | 1.03 |
| GDP growth | −0.03** | −1.92 | GDP growth | −0.10 | −0.59 |
| CPI-Inflation | −0.04*** | −2.98 | CPI−Inflation | 0.26** | 1.96 |
| Fixed Effects | YES | Fixed Effects | YES | ||