The consequence of the credit risk on the financial performance in light of COVID-19: Evidence from Islamic versus conventional banks across MEA region

Future Business Journal

Table 8 Impact of NPLs over FP after moderating COVID-19 for the whole sample

Model	Model 4
	Impact of NPL on ROA by moderating the COVID-19 Fixed effect			Impact of NPL on ROA by moderating the COVID-19 Random effect
	Coefficients	T	Sig	Coefficients	T	Sig
(Constant)	− 0.707	− 1.33	.183	− 0.919	− 2.150	.031**
G.NPL%	− .030	− 3.70	.000***	− .030	− 4.538	.000***
SIZ	.058	0.120	.229	0.053	1.429	.153
LD %	− .0004	− 5.546	.000***	− .0004	− 7.779	.000***
EA %	.027	1.980	.048**	0.027	2.365	.018**
CA %	.077	6.44	.000***	0.093	9.47	.000***
LLR %	− 0.002	− 2.45	.015**	− .002	− 3.314	0.001**
LA %	.005	1.33	.183	.005	1.75	.079*
INF	.0099	1.735	.083*	0.013	2.537	.011**
UNE	.021	1.898	.058*	.017	1.93	.053*
TC	− 1.82E − 06	− 6.87	.000***	− 1.92E − 06	− 7.84	.000***
TD	5.42E − 05	5.074	.000***	5.76E − 05	5.87	.000***
Model summary	Adjusted R Square	0.578		Adjusted R Square	0.283
	F	5.476		F	25.608
	Sig	0.000		Sig	0.000
Hausman test	Chi sq. 11.299	Prob	0.418

Model	Model 4
	Impact of NPL on ROE by moderating the COVID-19 Fixed effects			Impact of NPL on ROE by moderating the COVID-1Random effects 9
	Coefficients	T	Sig	Coefficients	T	Sig
(Constant)	3.098	0.762	.446	1.424	0.44	.659
G.NPL%	− .182	− 2.85	.004**	− .0210	− 4.181	.000***
SIZ	.136	0.364	.716	0.247	0.881	.378
LD %	− .0023	− 4.592	.000***	− .0025	− 6.217	.000***
EA %	− 0.272	− 2.603	.009**	− 0.287	− 3.292	.001**
CA %	.491	5.37	.000***	0.568	7.633	.000***
LLR %	− 0.006	− 1.00	.316	− .007	− 1.448	0.148
LA %	.050	1.87	0.06*	.058	2.83	.005**
INF	.039	0.897	.369	0.066	1.728	.084*
UNE	.245	2.878	.004**	.177	2.643	.008**
TC	− 1.30E − 05	− 6.38	.000***	− 1.49E − 05	− 8.004	.000***
TD	0.0003	4.35	.000***	0.0004	5.956	.000***
Model summary	Adjusted R Square	0.516		Adjusted R Square	0.215
	F	4.486		F	18.123
	Sig	0.000		Sig	0.000
	Chi sq. 15.685	Prob	0.153