The Role of Fintech on Bank Risk-Taking: Mediating Role of Bank’s Operating Efficiency

Table 3

Summary statistics.

	Variables	Obs.	Mean	Std. dev.	VIF	1/VIF
1	BRT	493	4.185	2.022
2	FP	493	0.362	0.160	1.05	0.955
3	OE	193	0.451	1.620
4	AS	493	9.392	1.465	1.06	0.939
5	LR	493	0.349	0.429	1.01	0.992
6	ID	493	0.273	0.487	1.02	0.977
7	SI	493	0.069	0.205	1.04	0.958

Note: BRT: risk-taking; FP: fintech product; OE: operating efficiency; AS: asset size; LR: liquidity ratio; ID: income diversification; SI: shadow income.