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Table 1.

Descriptions of data.

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Table 2.

Fixed-effects regression.

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Table 3.

Threshold effect tests with threshold variables l.NPLsit, PCRit, and CARit.

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Table 4.

Regression with l.NPLsit as the threshold variable.

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Table 5.

Regression with PCRit as the threshold variable.

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Table 6.

Regression with CAR as the threshold variable.

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Table 7.

Threshold effect tests with the threshold variables PCRit and CARit.

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Table 7 Expand

Table 8.

Regression with l.NPLsit as the threshold variable.

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Table 9.

Regression with PCRit as the threshold variable.

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Table 10.

Regression with CARit as the threshold variable.

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