Return on Equity 2.29 370.47 100 178.43 Return on Assets 0.041 178.43 100 78.43 Return on 0.66 7.06 100 -92.94 Business Interest Coverage 1.00 83.36 100 -16.64 Ratio Source: Authors’ Calculation 7: Reserve or Lack of Financial Viability of Old Private Sector Bank Group Financial Permissible Actual Minimum Reserve/Lack of Viability Values Sufficiency Sufficiency Financial Viability Indicators Value Debt-Equity 1.57 25.04 100 -75.04 Return on Equity 2.84 -701.66 100 -801.66 Return on Assets 0.073 103.24 100 3.24 Return on 0.67 8.47 100 -91.53 Business Interest Coverage 1.00 165.50 100 65.50 Ratio Source: Authors’ Calculation Table 8: Comparison of Financial Viability Indicators of Different Bank Groups Financial Viability Bank Mean Std. Sign. Indicators Groups Dev. Debt-Equity Ratio SBG 5.016 0.527 7.031 0.001* NBG 5.521 0.914 NPG 8.727 2.001 OPG 9.539 4.968 Return on Equity SBG 15.106 3.021 4.269 0.010* NBG 16.758 6.402 NPG 9.102 9.474 OPG 11.685 4.729 Return on Assets SBG 0.066 0.002 3.082 0.037* NBG 0.063 0.003 NPG 0.041 0.036 OPG 0.063 0.024 Return on Business SBG 0.046 0.001 2.429 0.078** NBG 0.044 0.004 NPG 0.032 0.023 OPG 0.052 0.016 Interest Coverage Ratio SBG 1.393 0.038 3.212 0.032* NBG 1.376 0.093 NPG 0.833 0.642 OPG 1.655 0.936 Source: Authors’ Calculation Note: * Significance at 5%, ** Significance at 10% Level of Significance.
Return on Equity 2.29 370.47 100 178.43 Return on Assets 0.041 178.43 100 78.43 Return on Business 0.66 7.06 100 -92.94 Interest Coverage Ratio 1.00 83.36 100 -16.64 Source: Authors’ Calculation 7: Reserve or Lack of Financial Viability of Old Private Sector Bank Group Financial Viability Indicators Permissible Values Actual Sufficiency Value Minimum Sufficiency Reserve/Lack of Financial Viability Debt-Equity 1.57 25.04 100 -75.04 Return on Equity 2.84 -701.66 100 -801.66 Return on Assets 0.073 103.24 100 3.24 Return on Business 0.67 8.47 100 -91.53 Interest Coverage Ratio 1.00 165.50 100 65.50 Source: Authors’ Calculation Table 8: Comparison of Financial Viability Indicators of Different Bank Groups Financial Viability Indicators Bank Groups Mean Std. Dev. Sign. Debt-Equity Ratio SBG NBG NPG OPG 5.016 5.521 8.727 9.539 0.527 0.914 2.001 4.968 7.031 0.001* Return on Equity SBG NBG NPG OPG 15.106 16.758 9.102 11.685 3.021 6.402 9.474 4.729 4.269 0.010* Return on Assets SBG NBG NPG OPG 0.066 0.063 0.041 0.063 0.002 0.003 0.036 0.024 3.082 0.037* Return on Business SBG NBG NPG OPG 0.046 0.044 0.032 0.052 0.001 0.004 0.023 0.016 2.429 0.078** Interest Coverage Ratio SBG NBG NPG OPG 1.393 1.376 0.833 1.655 0.038 0.093 0.642 0.936 3.212 0.032* Source: Authors’ Calculation Note: * Significance at 5%, ** Significance at 10% Level of Significance.
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