Variables

Observed Coefficients

Std. Errors

t-Statistics

Prob

EQ/TA

0.180838***

0.063483

2.848.596

0.0081

PE/OI

−0.264801*

0.133896

−1.977.668

0.0579

EXT/DEBT

0.369182

0.231791

1.592.738

0.1224

NPL

0.318632**

0.103515

3.078.136

0.0046

PERS

0.907266***

0.173158

5.239.534

0.0000

BRAN

−1.182240***

0.197301

−5.992.075

0.0000

GDPCAP

1.843276***

0.370179

4.979.419

0.0000

NIM

0.654704***

0.154677

4.232.708

0.0002

NL/DE

1.002075***

0.177192

5.655.311

0.0000

Constant

−28.66885***

5.063.660

−5.661.685

0.0000