| Item | Coefficient | Standard error |
| FA | 0.0020 | 0.0026 |
| M2 | −0.0057* | 0.0029 |
| LR | 0.0329* | 0.0189 |
| CIR | −0.0033*** | 0.0007 |
| ROA | 0.1551*** | 0.0031 |
| NII | 0.0117*** | 0.0010 |
| HHI | −11.3453*** | 1.9769 |
| ATS | −0.2727*** | 0.07964 |
| LDR | −0.2790* | 0.1675 |
| _cons | 2.2627*** | 0.4838 |
| R2 | 0.5703 | |
| A?R2 | 0.5162 | |
| OBS | 296 | |