"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";;;"–0.249*** (0.065)";"–0.345*** (0.657)";"–0.236**** (0.067)";"–0.632*** (0.098)"
"Operational expenses/ Operating income";;;–;–;–;–
"Net interest margin";;;"–0.029*** (0.001)";"–0.037*** (0.005)";"–0.007** (0.001)";"–0.013** (0.001)"
"Interbank ratio";;;"–0.569*** (0.007)";"–0.359** (0.083)";"–0.487*** (0.005)";"–0.678** (0.034)"
"Bank equity/ Equity of all banks";"⎫ ⎪ ⎪ ⎪ ⎪ ⎬⎪ ⎪ ⎭";"Share PC";–;;–;
"Log total assets";–;"–0.612* (0.359)";–;"–0.0018** (0.0002)"
"(Log total assets)2";"–0.009** (0.004)";;"–0.005** (0.003)";
"Current ratio (CR)";"⎫ ⎪ ⎪ ⎪ ⎪ ⎬⎪ ⎪ ⎪ ⎭";"Asset Liq PC";"–0.051* (0.042)";;"–0.001 (0.025)";
"Loan loss reserves / Gross loans";–;"–0.673*** (0.001)";"4.254* (3.281)";"–0.387*** (0.026)"
"CR × RGDP growth rate";–;;–;
"CR × Loan loss reserves / Gr. loans";"–0.002*** (0.00009)";;"–0.003*** (0.00007)";
"Real GDP growth rate";"⎫ ⎪ ⎪ ⎪ ⎪ ⎪ ⎬ ⎪ ⎪ ⎪ ⎪ ⎪ ⎭";"Macro PC1 PC2";–;;–;
"CPI growth rate";–;;–;
"Exchange rate USD/RUB";–;"–0.592*** (0.003)";–;"–1.036*** (0.0041)"
"RGDP per capita";–;;–;
"Trade balance";–;"8.265*** (0.024)";–;"7.024*** (0.0012)"
;;;;;;
"Number of observations";;;"11 627";"11 627";3289;3289
"Log L";;;–3254.21;–2964.40;–2965.91;–2283.72
"Log Lo";;;–5827.95;–5827.95;–4361.92;–4361.92
"Pseudo R2";;;0.53;0.68;0.38;0.47
"% of correct predictions";;;12;18;5;7
AIC;;;"24 779.704";"22 347.724";"12 779.735";"11 649.745"
BIC;;;"24 909.996";"22 722.892";"12 937.468";"11 732.491"