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 |