Noninterest Income and Performance of Commercial Banking in China

Table 3

Endogeneity test result.

Variable	(); fe	(); re	(); Difference	sqrt(); SE
BAD				0.0827101
COST				0.0755033
CAR				0.0974391
NIR				0.0602813

= consistent under and , obtained from xtreg.
= inconsistent under and efficient under , obtained from xtreg.
Test. : difference in coefficients not systematic.
chi2 () = = 3.71.
Prob > chi2 = 0.4473.