Model | Impact of FP as one of the determinants over the NPLs for the whole sample | Impact of FP as one of the determinants over the NPLs for the IBs | Impact of FP as one of the determinants over the NPLs for the CBs | ||||||
---|---|---|---|---|---|---|---|---|---|
Coefficients | T | Sig | Coefficients | T | Sig | Coefficients | T | Sig | |
(Constant) | 13.232 | 3.583 | .000*** | 29.889 | 3.391 | .001** | 13.232 | 3.583 | .000*** |
ROA % | 1.422 | 1.862 | .063* | 1.230 | .661 | .512 | 1.422 | 1.862 | .063* |
ROE % | .278 | 2.926 | .004** |  − .306 |  − 1.615 | .112 | .278 | 2.926 | .004** |
SIZ |  − 1.146 |  − 4.543 | .000*** |  − 1.004 |  − 1.717 | .092* |  − 1.146 |  − 4.543 | .000*** |
LD % |  − .005 |  − .382 | .703 |  − .092 |  − 3.731 | .000*** |  − .005 |  − .382 | .703 |
CI % | .107 | 4.996 | .000*** |  − .017 |  − .462 | .646 | .107 | 4.996 | .000*** |
NII % |  − .052 |  − 1.775 | .077* |  − .004 |  − .134 | .894 |  − .052 |  − 1.775 | .077* |
EA % |  − .004 |  − .036 | .971 |  − .169 |  − .886 | .380 |  − .004 |  − .036 | .971 |
TIRE |  − .361 |  − 1.631 | .104 |  − .217 |  − .959 | .342 |  − .361 |  − 1.631 | .104 |
CA % | .340 | 1.533 | .126 | .142 | .639 | .525 | .340 | 1.533 | .126 |
LLR % |  − .017 |  − 3.695 | .000*** |  − .011 |  − 2.750 | .008** |  − .017 |  − 3.695 | .000*** |
LA % | .130 | 6.786 | .000*** | .009 | .206 | .838 | .130 | 6.786 | .000*** |
TC | 8.468E − 6 | 1.540 | .124 | 6.987E − 6 | 1.065 | .292 | 8.468E − 6 | 1.540 | .124 |
TD | .000 |  − .591 | .555 | .000 |  − .696 | .489 | .000 |  − .591 | .555 |
INF | .038 | .796 | .427 | .015 | .098 | .922 | .038 | .796 | .427 |
UNE |  − .228 |  − 4.508 | .000*** |  − .274 |  − 2.934 | .005** |  − .228 |  − 4.508 | .000*** |
Model summary | Adjusted R Square | 0.388 | Â | Adjusted R Square | 0.472 | Â | Adjusted R Square | 0.388 | Â |
 | F | 18.92 |  | F | 5.049 |  | F | 18.92 |  |
 | 1 |  |  | 1 |  |  | 1 |  |  |
 | Sig | 0.000 |  | Sig | 0.000 |  | Sig | 0.0000 |  |