Model9

Model 10

Sat

ROA

All the samples

non-state-owned commercial Banks

state-owned commercial Banks

All the samples

non-state-owned commercial Banks

state-owned commercial Banks

PP

5.076***

(3.13)

4.968***

(2.74)

−1.3748

(−0.79)

Sat

0.0004

(1.45)

0.0005*

(1.83)

0.002***

(3.22)

NPL

−12.2484

(−1.41)

−15.9817

(−1.28)

−2.7626

(−0.25)

−0.21***

(−7.75)

−0.175**

(−5.04)

−0.318**

(−7.24)

Size

−0.0030 (−0.1)

0.0591

(1.49)

−0.0372

(−0.58)

0.001***

(5.21)

0.0003**

(2.92)

0.002***

(6.77)

Time

−0.0367

(−0.41)

−0.2155*

(−1.82)

0.453***

(2.87)

−0.001**

(−3.43)

−0.0005

(−1.55)

−0.0012*

(−1.85)