Table 3.
Descriptive statistics.
| Variable | Mean | Median | Maximum | Minimum | Std. | Obs. |
|---|---|---|---|---|---|---|
| NPL | 0.0226 | 0.0202 | 0.0844 | 0.0034 | 0.0139 | 367 |
| LC1 | 0.3219 | 0.2821 | 0.6291 | −0.0956 | 0.1518 | 367 |
| LC2 | 0.2753 | 0.2821 | 0.5571 | −0.1026 | 0.1574 | 367 |
| BFD | 0.4454 | 0.4484 | 0.6933 | 0.1225 | 0.1273 | 367 |
| SIZE | 14.005 | 14.011 | 15.195 | 12.522 | 0.5302 | 367 |
| ROA | 0.0089 | 0.0071 | 0.0287 | 0.0001 | 0.0068 | 367 |
| CAP | 0.0944 | 0.0826 | 0.2381 | 0.0262 | 0.0433 | 367 |
| LG | 0.2515 | 0.1938 | 1.2459 | −0.2209 | 0.2510 | 367 |
| INF | 0.0598 | 0.0408 | 0.1868 | 0.0063 | 0.0465 | 367 |
| GDP | 0.0596 | 0.0621 | 0.0708 | 0.0291 | 0.0108 | 367 |
Note: Table 3 reports the descriptive statistics of NPL, LC1, LC2, BDF, SIZE, ROA, CAP, LG, INF, and GDP variables. Our study includes unbalanced panel data from 367 observations in 33 Vietnamese commercial banks from 2009 to 2020.