The Effects of Nonperforming Loans on Dynamic Network Bank Performance

Table 11

Characteristics and performance of banks.

Year		Operating performance				Profitability performance				Risk management
		FHC	Non-FHC	PGB	Non-PGB	FHC	Non-FHC	PGB	Non-PGB	FHC	Non-FHC	PGB	Non-PGB
	n	13	13	7	19	13	13	7	19	13	13	7	19
2004	Mean	0.796	0.822	0.798	0.813	0.621	0.369	0.445	0.514	0.631	0.441	0.557	0.528
	p value	0.505		0.470		0.012		0.954		0.003		0.435
2005	Mean	0.794	0.818	0.834	0.795	0.591	0.395	0.435	0.515	0.650	0.509	0.652	0.553
	p value	0.522		0.751		0.017		0.402		0.017		0.088
2006	Mean	0.774	0.827	0.843	0.785	0.624	0.537	0.567	0.586	0.730	0.554	0.692	0.623
	p value	0.054		0.260		0.369		0.402		0.002		0.069
2007	Mean	0.794	0.795	0.844	0.777	0.638	0.575	0.559	0.624	0.684	0.586	0.667	0.624
	p value	0.626		0.112		0.457		0.311		0.144		0.214
2008	Mean	0.828	0.822	0.890	0.801	0.551	0.503	0.466	0.549	0.697	0.587	0.684	0.627
	p value	0.898		0.378		0.590		0.840		0.011		0.260
2009	Mean	0.879	0.859	0.935	0.845	0.421	0.437	0.408	0.437	0.696	0.559	0.711	0.597
	p value	0.778		0.030		0.663		0.435		0.020		0.053
2010	Mean	0.914	0.888	0.956	0.881	0.335	0.359	0.333	0.352	0.739	0.604	0.751	0.642
	p value	0.663		0.026		0.858		0.623		0.033		0.026
2011	Mean	0.929	0.901	0.960	0.899	0.415	0.389	0.395	0.405	0.836	0.700	0.821	0.748
	p value	0.837		0.060		0.489		0.583		0.010		0.016
2012	Mean	0.936	0.908	0.965	0.906	0.474	0.422	0.417	0.459	0.866	0.697	0.816	0.769
	p value	0.590		0.030		0.487		0.583		0.003		0.046
2013	Mean	0.936	0.914	0.963	0.912	0.496	0.427	0.421	0.480	0.864	0.728	0.838	0.780
	p value	0.681		0.037		0.397		0.435		0.026		0.060
2014	Mean	0.944	0.920	0.976	0.916	0.457	0.562	0.459	0.528	0.921	0.797	0.893	0.846
	p value	0.623		0.075		0.293		0.563		0.013		0.053
Overall Score	Mean	0.944	0.920	0.906	0.848	0.521	0.443	0.445	0.495	0.756	0.615	0.735	0.667
	p value	0.623		0.000		0.004		0.014		0.000		0.134

FHC: financial holding companies; PGB: privatized government banks; .