Competition, Survival Issue, and Performance Constraints of Banks: Evidence from Ethiopian Private Commercial Banks

Table 11

Regression result of model one.

NIM	Coef.	Robust Std. Err.	Z		(95% conf. interval)
DER	−0.0000167	0.0003885	−0.04	0.966	−0.0007782 0.0007449
CAR	−0.0100268	0.0113748	−0.88	0.378	−0.0323209 0.0122673
TL/TA	0.0917884	0.0345893	2.65	0.008	0.0239947 0.1595822
TI/TA	0.0155844	0.0083861	1.86	0.063	−0.000852 0.0320208
Log_NPEm	−0.000497	0.0021739	−0.23	0.819	−0.0047578 0.0037637
LogTL/Br	−0.001066	0.0008352	−1.28	0.202	−0.0027029 0.000571
TInc./TA	0.1902707	0.0630717	3.02	0.003	0.0666525 0.3138889
II/TInc.	0.0092343	0.003916	2.36	0.018	0.001559 0.0169095
NIE/TE	0.0231829	0.0066162	3.50	0.000	0.0102154 0.0361504
TLA/TD	0.0011277	0.0041713	0.27	0.787	−0.0070479 0.0093034
Cash/TD	−0.0205792	0.0076806	−2.68	0.007	−0.0356329 −0.0055256
_Cons	−0.0159833	0.0313678	−0.51	0.610	−0.0774631 0.0454966
R-square: Within = 0.5774; Between = 0.8643; Overall = 0.6733		Wald Chi^2 (11) = 1860.16 corr (u_i, X) = 0 (assumed) Prob > chi^2 = 0.0000; (Std. Err. adjusted for 12 clusters in bank)