ROA

All the samples

non-state-owned commercial Banks

state-owned commercial Banks

PP

0.0043

(1.3)

0.0078**

(2.00)

0.0060*

(1.8)

NPL

−0.09***

(−2.75)

−0.21***

(−3.90)

−0.065

(−1.43)

Size

0.0007

(1.09)

−0.0034

(−2.66)

−0.0024

(−1.74)

Time

−0.0003

(−0.94)

−0.0002

(−0.45)

0.0002

(0.41)

CAR

0.0010

(0.51)

−0.0049

(−0.37)

−0.0007

(−0.42)

fwage

−0.0001

(−1.78)

0.0000

(−0.88)

0.0001

(1.11)

LEV

−0.07***

(−5.06)

−0.05***

(−2.97)

−0.0619

(−3.23)

State*PP

−0.0014

(−0.92)

Year

control

control

control

cons

0.066***

(6.42)

0.101***

(5.83)

0.107***

(5.57)

N

159

95

64

F

31.92***

13.87***

39.67***

R−sq

0.8077

0.7669

0.9297