Table 14 Model 1: pooled least square method (LSM), used observations—169. Pre-crisis 2011–2013

const

3.34412

0.923540

3.62098

0.000392

GTA

− 0.87164

0.470941

− 1.85084

0.066013

NFATA

0.75272

0.342977

2.19466

0.029611

ROA

3.99632

1.240021

3.22278

0.001535

IPA

− 0.72615

0.312112

− 2.32658

0.021226

CL

0.07380

0.056715

1.30118

0.195043

FR

− 2.26044

1.298551

− 1.74074

0.083628