|
| N | Min | Max | Mean | Std. Dev. |
| Panel A: Variables of Loan-specific characteristics | |||||
| NPL ratio Impaired Loans/Gross Loans - % | 4828 | 0.000 | 83.814 | 1.897 | 4.589 |
| Loan amount (LAMOUNT) | 17,030 | 1.50E+05 | 2.40E+10 | 9.66E+08 | 1.90E+09 |
| Loan Restrictions-SENIOR | 17,030 | 0.000 | 1.000 | 0.997 | 0.056 |
| Loan Restrictions-SECURED | 17,030 | 0.000 | 1.000 | 0.594 | 0.491 |
| Loan Restrictions-GUARANTOR | 17,030 | 0.000 | 1.000 | 0.118 | 0.323 |
| Loan maturity (LMATURITY) | 17,030 | 0.083 | 60.000 | 4.626 | 2.263 |
| Loan purposes (WORKCAPITAL) | 17,030 | 0.000 | 1.000 | 0.076 | 0.264 |
| Loan purposes (CORPORPOSES) | 17,030 | 0.000 | 1.000 | 0.490 | 0.500 |
| Type of loan (TYPELOAN) | 17,030 | 0.000 | 1.000 | 0.770 | 0.421 |
| LEADBANKERS | 17,030 | 0.000 | 1.000 | 0.260 | 0.439 |
| RELATIONSHIP | 17,029 | 0.000 | 1.000 | 0.743 | 0.437 |
| Panel B: Variables of Bank-Specific Characteristics | |||||
| Bank's capital (t-1) Equity/Total Assets - % | 6348 | 0.058 | 99.660 | 9.701 | 11.847 |
| LASSETS | 6404 | 2.27E+00 | 7.60E+08 | 1.03E+07 | 5.17E+07 |
| SUBDEBT | 5316 | 0.000 | 0.216 | 0.018 | 0.021 |
| LIQUIDITY | 5958 | 0.000 | 0.995 | 0.030 | 0.044 |