Table 4
DETERMINANTS OF DEPOSIT INTEREST RATES
PANEL ESTIMATION, 1990-99
Dependent variable: banks’ deposit rate in each province.
Independent variables: Herfindahl index for deposits’ market shares (HER); staff costs per employee
(COSPER); costs/total assets (COSRAT). Variables refer to end-of-year data, for the period 1990-99.
Regressions include time dummy variables, whose coefficients are not reported. t - statistics in brackets. *
Significant at 1 per cent. ** Significant at 5 per cent. *** Significant at 10 per cent.
|
(i) |
(ii) |
|
HER |
-0.23 (-0.83) |
-0.22 (-0.78) |
|
COSPER |
-5.0 * | |
|
(-3.9) | ||
|
COSRAT |
0.75 |
(0.48)
|
N. observations |
10561 |
10561 |
|
R2 |
0.95 |
0.95 |
|
Sum of squared |
2840.9 |
2845.4 |
|
Hausman test |
100.9 |
131 |
32
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