Variable

Model (1)

Model (2)

OCI

0.0308***

0.0855***

3.917

3.638

Experience × OCI

−0.00349**

−2.471

Experience

0.00248***

0.00432***

3.095

3.949

ROA

0.0567

0.0529

0.797

0.744

Rec

0.0723

0.0751

1.305

1.355

Inv

0.0223

0.0236

0.565

0.597

Cur

−0.000360

−0.000453

−0.268

−0.337

Size

0.343***

0.344***

48.43

48.48

Mb

0.0103***

0.0104***

5.521

5.572

Level

−0.00989

−0.0117

−0.351

−0.416

Loss

0.0339***

0.0338***

3.289

3.279