China Finance and Economic Review

Table 2 Descriptive statistics

From: Non-performing loans (NPLs), liquidity creation, and moral hazard: Case of Chinese banks

	CF	CNF	NPL_TL	TA	LNS	MKT_POW	Z_SCR
Unit	Million USD	Million USD	%	Million USD	Million USD	%	–
Mean	2766	−2518	1.787	112,000	60,800	0.855	5.860
Median	368	−265	0.980	10,000	4786	0.069	3.809
Minimum	−53,900	−84,500	0.010	30	15	0.000	−0.433
Maximum	75,700	41,600	41.300	3,370,000	1,120,000	18.618	34.917
SD	15,700	14,000	3.495	360,000	182,000	2.978	6.587
25th PCT	−476	−1928	0.600	3626	1852	0.033	2.175
75th PCT	1781	556	1.750	30,800	13,900	0.186	6.798
N	644	772	845	1096	947	1107	1084
	TE_TA	ROAE	ROAA	EAR_VOL	IBR	POP	GDP
Unit	%	%	%	%	%	Million USD	%
Mean	9.577	14.527	1.019	24.726	3.768	1328.6	9.98
Median	7.173	15.370	1.063	16.980	3.873	1329.5	9.55
Minimum	1.641	−5.897	−0.502	0.854	1.706	1300	7.3
Maximum	94.709	41.776	4.831	336.212	5.285	1356	14.2
SD	9.494	8.668	0.569	27.866	1.196	18.238	2.143
25th PCT	5.745	8.112	0.670	8.568	2.663	1312	7.7
75th PCT	9.328	19.692	1.337	30.771	5.008	1345	11.3
N	1096	1089	1089	674	1970	1970	1970

Table 2 reports the summary statistics of “cat fat” (CF) and “cat nonfat” (CNF) measure of liquidity creation-measured in million USD; non-performing loans to total loans ratio (NPL_TL); total assets (TA), average loans (LNS); market power (MKT_POW); measure of bank stability risk Z score (Z_SCR); bank leverage (TE_TA); return on average equity (ROAE); return on average assets (ROAA); earnings volatility (EAR_VOL); interbank offer rate (IBR); population (POP); and percentage change in real gross domestic product (GDP)

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