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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)