| Variable | Levels | Differenced | ||
| Levin, Lin & Chu | ADF-fisher chi-square | Levin, Lin & Chu | ADF-fisher chi-square | |
| Cost expenditure | −0.839 (0.200) | 10.895 (0.949) | −8.594 (0.000) | 45.706 (0.001) |
| Total deposits | 3.970 (1.000) | 1.088 (1.000) | −12.561 (0.000) | 58.064 (0.000) |
| Investment securities | 4.450 (1.000) | 4.365 (0.999) | −8.988 (0.000) | 72.042 (0.000) |
| Factors of production | 4.655 (1.000) | 3.562 (1.000) | −9.516 (0.000) | 55.303 (0.000) |
| Risk weighted assets | −1.397 (0.081) | 15.221 (0.647) | −3.721 (0.000) | 66.102 (0.000) |
| Total fee income | 0.527 (0.700) | 11.845 (0.921) | −3.368 (0.000) | 40.072 (0.005) |
| Total loans | 4.692 (1.000) | 14.297 (0.815) | −3.971 (0.000) | 39.164 (0.001) |
| Equity capital | 3.580 (0.999) | 8.344 (0.973) | −8.505 (0.000) | 55.976 (0.000) |