Descriptions

Outreach

Loan Repayment

Efficiency

Profitability

Nab

Albpb

par 30

Par 90

Oer

cpb

oss

pm

roa

roe

Intercept

1.159**

3.434***

0.414**

0.336

0.497***

1.283

0.245

0.680

0.001

−0.032

(−2.07)

(4.69)

(1.97)

(0.096)

(5.78)

6.06

(0.76)

(0.930)

(0.031)

(−1.02)

LI

−0.037*

−0.3263*

−0.132*

−0.094*

−0.144***

−0.068

0.292***

0.374**

0.016**

0.014*

(−1.69)

(−1.76)

(−1.901)

(−1.84)

(−5.56)

−1.13

(2.84)

(2.030)

(2.051)

(1.83)

Regulate

0.142**

−0.285**

−0.058*

−0.069*

0.007

−0.047*

0.009

−0.004

0.004

−0.014***

(2.1)

(−1.96)

(−1.67)

(−1.71)

(0.63)

−1.81

(0.24)

(−0.040)

(0.82)

(−3.67)

Scale

0.274*

0.151

0.045

0.039

0.018

−0.045

−0.062

0.015

−0.014**

−0.004

(1.91)

(1.23)

(1.23)

(0.255)

(1.08)

−0.84

(−0.98)

(0.280)

(−1.99)

(−0.74)

Dregion

−0.368*

−0.401**

−0.052

−0.047

0.014

0.161***

−0.069

0.024

−0.003

0.008

(−1.93)

(−2.24)

(−0.99)

(−0.94)

(0.60)

(2.35)

(−0.80)

(0.170)

(−0.27)

(0.97)

Lta

1.76***

0.526***

−0.023

−0.018

−0.054***

0.105***

0.175***

0.045

0.003

0.006*

(27.58)

(6.63)

(−1.01)

(−0.80)

(−5.50)

(4.3)

(4.77)

(0.630)

(0.75)

(1.76)

Mfireg

0.008

0.066

0.069***

0.058**

−0.006

−0.008

−0.051

−0.191***

−0.012***

−0.013***

(0.15)

(0.71)

(2.70)

(2.34)

(−0.68)

(−0.37)

(−1.47)

(−2.270)

(−2.93)

(−3.21)

Ryield

−0.288

−1.252**

−0.434

−0.328**

0.344***

−0.195

1.952***

0.0565

−0.003

0.027

(−0.82)

(−2.16)

(−2.66)

(−2.08)

(5.52)

(−1.43)

(8.44)

(0.180)

(−0.11)

(1.09)

Cdr

0.004

−0.004

0.001

0.001

−0.0002

0.001

−0.003**

0.0147

0.0002

0.002

(0.08)

(−1.59)

(1.22)

(0.82)

(−0.46)

(1.04)

(−2.29)

(1.01)

(1.01)

(0.18)

Dgsdp

0.003

0.013**

0.001

0.001

0.002*

0.001

−0.0004

0.029*

0.0023

0.0002

(0.06)

(1.99)

(0.23)

(0.09)

(1.70)

(0.25)

(−0.13)

(1.675)

(0.62)

(0.59)

R Square

0.7786

0.3262

0.0934

0.066

0.289

0.1478

0.329

0.033

0.109

0.126

HM Statistic

12.53

11.54

28.51

28.87

12.99

3.85

36.79

24.76

8.29

4.70

P values

[0.252]

[0.241] 0.2407

0.2407

[0.001]

[0.001]

[0.1630]

[0.921]

[.0001]

[0.0032]

[0.5056]

[0.8595]

BP Statistic

327.02

4.08

4.15

1.65

1.35

299.57

55.03

0.39

55.56

10.44

P values

[0.0001]

[0.043]

[0.0417]

[0.199]

[0.165]

[0.0001]

[0.0001]

[0.5331]

[0.0001]

[0.0012]

Model

FE

FE

RE

RE

RE

RE

RE

FE

RE

FE