Variable
ROE
3.508**
14.132**
ROA
9.960**
11.203**
SND ratio
−3.274**
21.306**
NPL ratio
−1413.592**
9.145**
Overhead-cost ratio
−78.035**
22.818**
Non-interest-income ratio
−3.058**
30.566**
Capital ratio
9.692**
7.937**
Cost-of-deposits ratio
−13.218**
57.326**
Net interest margin
−34.991**
19.419**
Market share
10.476**
11.619**
Deposit ratio
6.010**
6.529**
Log of total assets
−13.337**
18.222**
Cash ratio
−9.170**
17.791**
Loan-loss provision ratio
−6.188**
4.366**
Total deposits
16.662**
6.797**
Total loans
15.253**
5.073**
Securities
−0.212
19.500**
Time deposits
13.041**
1.492