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Table 1 Summary statistics for diversified and non-diversified banks

From: Does the target market affect bank performance? Evidence from the geographic diversification of city commercial banks in China

Variable Diversified banks Non-diversified banks Difference in mean Difference in median
N Mean Std. Median N Mean Std. Median t-stat Wilcoxon z-value
ROA 650 0.010 0.010 0.010 256 0.010 0.030 0.010 0.010 1.764
ROE 651 0.160 0.090 0.150 257 0.260 1.200 0.140 0.107b 1.221
NPL ratio 654 1.220 1 1.030 261 2.310 2.640 1.670 1.086c 38.990c
Cost 649 0.020 0.010 0.020 229 0.020 0.010 0.020 0.004c 31.482c
1–HHI 655 0.350 0.230 0.320 276 0 0 0 −0.348c 391.457c
Equity 655 8.490 0.900 8.510 265 7.080 0.890 7.110 −1.401c 245.006c
Capital 639 13.620 3.570 12.990 255 71.660 942.50 11.570 58.040 39.640c
NPL 654 7.930 1.470 8.150 262 6.960 2.010 7.220 −0.968c 45.247c
Loan ratio 652 0.450 0.170 0.440 259 0.500 0.130 0.530 0.053c 43.005c
Asset quality 644 0.040 0.190 0.0300 252 0.050 0.220 0.030 0.010 3.732a
NII 647 2.540 1.250 2.560 224 1.48 1.09 1.32 −1.053c 101.166c
Fixed asset 646 6.211 1.150 6.260 224 4.580 1.670 5.00 −1.626c 142.587c
Size 654 10.730 12.090 6.840 265 7.130 55.35 1.850 − 3.607 205.188c
Age 657 12.230 4.690 13 276 8.390 4.370 9 − 3.842c 127.966c
No. of branches 657 76.450 52.420 65 276 40.68 25.460 35 − 35.762c 97.391c
No. of cities 657 3.260 2.840 3 276 0.01 0.12 0 −3.241c 327.907c
No. of branches in other cities 657 21.650 30.220 10 276 0.360 3.130 0 −21.291c 359.093c
  1. Notes. The full sample range from 2006 to 2016. A bank is defined as diversified if it has subsidiaries in more than one city. The sample is divided according to the bank–year observations; a bank can be diversified in one year and non-diversified in another year. Thus, appearing in both groups. All variables defined in the Appendix. a, b, and c denote statistical significance at 10%, 5% and 1% levels, respectively. The original amount of equity, NPL, fixed asset, and non-interest income is reported instead of log form (in units of million yuan)