Does abnormal lending behavior increase bank riskiness? Evidence from Turkey

Financial Innovation

Table 2 Descriptive statistics

Variables	N	Mean	SD	25%	Median	75%
Non-performing loan (%)	413	3.01	0.34	2.71	2.80	2.91
Solvency ratio (%)	376	16.98	13.94	5.75	8.48	11.06
Loan growth (%)	407	27.77	76.46	4.82	18.71	29.72
Size (Millions)	381	14.39	2.51	12.43	14.19	16.48
Leverage ratio (%)	381	25.61	26.67	9.63	13.03	29.13
Efficiency ratio (%)	381	7.04	8.84	3.17	4.14	6.34
GDP growth rate (%)	413	6.49	2.62	4.79	5.63	8.48
Inflation rate (%)	413	7.85	0.95	7.29	7.81	7.91
Unemployment rate (%)	413	9.43	0.92	8.71	9.35	10.21
Rule of Law (Index)	413	0.14	0.008	0.13	0.14	0.15
Political stability (Index)	413	0.21	0.016	0.19	0.20	0.21

Note: This table reports the summary statistics of bank-specific (financial) and macro-specific (economics) variables of the Greater China region’s financial institutions. For further descriptions of variables, please see (Table 2 Main variables)