"Dependent variable / Independent variables";;;"1.1.  Financial var only";"1.2.  Financial var and PC";"2.1. Financial var only";"2.2. Financial var and PC"
"Equity / Assets";;;"–10.023** (4.937)";"–6.769** (3.419)";"–22.567*** (8.784)";"–11.759*** (2.269)"
"Operational expenses / Operating income";;;"1.72*** (0.053)";"0.009*** (0.003)";"2.169*** (0.173)";"1.982*** (0.045)"
"Net interest margin";;;"–2.261* (1.733)";"–10.28*** (3.402)";"–5.859** (2.929)";"–12.567*** (4.719)"
"Interbank ratio";;;"–0.0004** (0.0002)";"–0.002*** (0.0006)";"–0.003*** (0.0009)";"–0.009*** (0.001)"
"Bank equity / Equity of all banks";"⎫ ⎪ ⎪ ⎪ ⎬⎪ ⎪ ⎭";"Share PC";"–12.25*** (4.0007)";;"–125.739*** (40.876)";
"Log total assets";"–1.909*** (0.047)";"–0.903*** (0.021)";"–23.813*** (8.234)";"–5.239*** (2.981)"
"(Log total assets)2";–;;–;
"Current ratio (CR)";"⎫ ⎪ ⎪ ⎪ ⎪ ⎬⎪ ⎪ ⎪ ⎭";"Asset Liq PC";"–0.004*** (0.0001)";;"–3.985*** (1.186)";
"Loan loss reserves / Gross loans";"0.159*** (0.014)";"–0.203*** (0.045)";"17.748*** (4.916)";"–8.815*** (2.927)"
"CR × RGDP growth rate";–;;–;
"CR × Loan loss reserves / Gr. loans";–;;–;
"Real GDP growth rate";"⎫ ⎪ ⎪ ⎪ ⎪ ⎪ ⎬ ⎪ ⎪ ⎪ ⎪ ⎪ ⎭";"Macro PC1 PC2";–;;–;
"CPI growth rate";–;;–;
"Exchange rate USD/RUB";–;"6.045*** (2.003)";–;"10.725*** (1.982)"
"RGDP per capita";–;;–;
"Trade balance";–;"–3.018*** (0.012)";–;"–4.978** (1.657)"
;;;;;;
"Number of observations";;;"11 627";"11 627";3289;3289
"Log L";;;–538.21;–307.55;–467.97;–309.03
"Log Lo";;;–1281.45;–1281.45;–882.97;–882.97
"Pseudo R2";;;0.58;0.76;0.47;0.65
"% of correct predictions % Type I error % Type II error";;;"96 1 100";"98 0 99.9";"72.3 31.3 34.5";"79.5 29.2 30.1"
AIC;;;"24 779.704";"19 347.724";1276.8;845.2
BIC;;;"24 909.996";"19 722.892";1387.2;912.4