Variables

Level

First difference

$\ln ROA$

0.494 (0.689)

−10.819*** (0.000)

$\ln rGDP$

−0.167(0.433)

−15.309*** (0.000)

$\ln BS$

2.363(0.990)

−17.484*** (0.000)

$nINF$

2.648(0.996)

−11.767*** (0.000)

$l\ln RTL$

1.152(0.875)

−12.408*** (0.000)

$\ln NPL$

0.640(0.739)

−13.064*** (0.000)

$\ln IN$

8.527(1.000)

−21.524*** (0.000)