Journal of Cloud Computing

Advances, Systems and Applications

Table 6 Regression Analysis

From: Fintech application on banking stability using Big Data of an emerging economy

	Dependent Variable NPLs			Dependent Variable Z-Score
	Coefficient (T-stat) (1)	Coefficient (T-stat) (2)	Coefficient (T-stat) (3)	Coefficient (T-stat) (1)	Coefficient (T-stat) (2)	Coefficient (T-stat) (3)
C	5.043(2.31)	5.613(3.02)	6.703(3.10)	4.013(2.01)	5.012(2.09)	8.109(3.18)
Cor	0.816(1.04)^b	0.270(2.19)	0.516(4.17)	-0.837(2.79)^a	0.374(1.09)	0.672(2.67)
Ir	-0.536(2.04)^a	0.917(3.02)	0.178(2.56)	-0.176(3.17)^a	0.293(2.71)	0.265(4.06)
Bc	0.208(1.19)^a	0.261(1.17)	0.374(0.91)	-0.278(2.86)	0.207(2.78)	0.395(0.31)
Gs	-0.379(3.69)^b	0.189(2.09)	0.311(3.45)	0.116(4.08)^a	0.274(4.30)	0.180(2.05)
GDP	-0.108(2.78)^a	0.501(5.17)	0.026(1.05)	0.784(3.62)^b	0.215(2.04)	0.286(2.19)
FIN2		-7.105(-4.04)^a	-7.375(-4.09)^b		8.642(4.23)^a	7.531(4.98)^b
FIN2^aCor		-0.008(-2.02)^b	-0.121(-1.02)^b		-0.438(-3.92)^b	0.298(4.22)^b
FIN2^aIr		-0.014(-1.08)^a	-0.324(-3.17)^a		0.081(4.07)^a	0.032(3.84)^a
FIN2^aBc		0.319(3.19)^a	0.053(2.91)^a		0.074(2.86)^a	0.025(2.70)^a
FIN2^aGs		-0.618(-4.07)^b	-0.028(-3.46)^b		0.081(3.16)^b	0.083(3.73)^b
FIN2^aGDP		-0.513(-3.01)^a	-0.063(-2.41)^a		0.381(4.21)^a	0.211(3.11)^a
R²	64.31	53.76	61.13	60.11	59.81	57.38
Adjusted R²	59.03	51.23	57.21	52.17	53.62	50.99
F-statistics	9.03	10.09	11.54	10.31	11.42	12.76
Prob(F-statistics)	0.0001	0.0000	0.0000	0.0000	0.0000	0.0000

Ref: ^{a, b}refer to the level of significance at 10 and 5 percent, respectively

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