1. The table lists coefficients and standard errors (in parentheses) from regression with pooled OLS with robust standard errors clustered on banks. Herfindahl Index, Market Share, FX loans, Short-term loans and Long-term loans are calculated for entrepreneurs. All dependent variables except for ownership dummies are lagged by one quarter. Regressions include seasonal dummies. Definitions of variables are;The dependent variable is the bank-specific interest rate on loans to entrepreneurs (i.e., opaque)
2. The dependent variable is the log-odds ratio of the share of loans to private firms (model 1 and 2) and entrepreneurs (model 3 and 4) in domestic banks' portfolios. The table lists coefficients and standard errors (in parentheses) from regression with pooled OLS with robust standard errors clustered on banks. All dependent variables except for ownership dummy are lagged by one quarter. Regressions include seasonal dummies;M Beck;Definitions of variables are provided in Table 1. *** , ** , and * correspond to 1%, 5% and 10% significance levels, respectively. References Ayyagari,2007
3. What to Do (and not to Do) with Time-Series Cross-Section Data;N Beck;American Political Science Review,1995
4. Borrowing in foreign currency: Austrian households as carry traders