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Table 4 Determinants of bank profitability: panel regression, time period: 2005–2019

From: NPAs and profitability in Indian banks: an empirical analysis

Variables

Fixed effect model

Random effect model

Dependent variable: ROA

Coefficient

SE

Coefficient

SE

Explanatory variables

NNPA

− 0.2136***

0.0258

− 0.2083***

0.0207

lnTD

0.0978

0.3103

0.1640***

0.0505

NII

0.4911***

0.1051

0.5266***

0.0740

II

0.2687***

0.0866

0.3097***

0.0635

CAPT1

0.0282***

0.0092

0.0291***

0.0097

OCTII

− 2.9788**

1.2694

− 3.3055***

1.1504

GDPGr

0.5507***

0.1737

0.5126***

0.1629

INF

− 0.4228

0.4191

− 0.3160

0.2167

IR

1.3884

1.2767

1.0733

0.7345

C

− 10.5673

5.8362

− 9.2618

4.5848

Number of observations

585

 

585

 

Number of Banks

39

 

39

 

R-Square

0.735

 

0.734

 

Prob [F Statistics]

0

 

0

 
  1. ***p < 0.001; **p < 0.05; *p < 0.01