Risks | 2006/2007 | 2008/2009 | Significance test | |||||||
Mean | St.d | N | Mean | St.d | N | Changes | t | P -value | N | |
FINANCIAL RISKS | 3.086 | 0.470 | 118 | 3.6 | 0.346 | 118 | 0.514 | 12.409 | 0.000 | 118 |
Credit | 3.356 | 0.620 | 118 | 3.949 | 0.221 | 118 | 0.593 | 10.452 | 0.000 | 118 |
Liquidity | 2.991 | 0.722 | 118 | 3.686 | 0.636 | 118 | 0.695 | 10.126 | 0.000 | 118 |
Interest rate | 3.178 | 0.533 | 118 | 3.678 | 0.469 | 118 | 0.500 | 9.348 | 0.000 | 118 |
Foreign exchange | 2.649 | 0.855 | 77 | 2.783 | 0.938 | 83 | 0.169 | 2.495 | 0.015 | 77 |
Equity | 3.062 | 0.574 | 16 | 3.684 | 0.477 | 19 | 0.687 | 3.905 | 0.001 | 16 |
BUSINESS RISKS | 3.239 | 0.360 | 118 | 3.444 | 0.311 | 118 | 0.205 | 8.758 | 0.000 | 118 |
Operational | 3.437 | 0.612 | 96 | 3.579 | 0.533 | 107 | 0.114 | 3.194 | 0.002 | 96 |
Compliance | 3.441 | 0.593 | 118 | 3.839 | 0.452 | 118 | 0.398 | 7.993 | 0.000 | 118 |
Risk management | 3.733 | 0.458 | 15 | 3.773 | 0.429 | 22 | 0.533 | 14.575 | 0.000 | 15 |
Competitive | 3.415 | 0.544 | 118 | 3.508 | 0.535 | 118 | 0.093 | 3.468 | 0.001 | 118 |
Legal | 2.655 | 0.845 | 116 | 2.827 | 0.935 | 116 | 0.172 | 4.019 | 0.000 | 116 |
STRATEGIC RISKS | 3.315 | 0.403 | 118 | 3.848 | 0.221 | 118 | 0.533 | 14.575 | 0.000 | 118 |
Systemic* | 3.333 | 0.577 | 3 | 3.932 | 0.253 | 59 |
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Market | 3.288 | 0.586 | 118 | 3.864 | 0.344 | 118 | 0.576 | 10.348 | 0.000 | 118 |
Real estate | 3.276 | 0.596 | 105 | 3.930 | 0.256 | 114 | 0.648 | 10.984 | 0.000 | 105 |
Reputation | 3.339 | 0.476 | 106 | 3.566 | 0.498 | 113 | 0.226 | 5.544 | 0.000 | 106 |
Economic | 3.398 | 0.530 | 103 | 3.974 | 0.205 | 118 | 0.573 | 10.865 | 0.000 | 103 |
All risks | 3.237 | 0.293 | 1345 | 3.638 | 0.369 | 1459 | 0.388 | 6.0175 | 0.000 | 1345 |