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Table 1 Descriptive statistics

From: Market discipline: a review of the Mexican deposit market

Variable

Sample 37 banks

G7

Commercial

Retail

Investmenta

Obs

Mean

SD

Min

Max

Mean

SD

Mean

SD

Mean

SD

Mean

SD

Total depositsb

592

62,821.5

128,724.2

0.0

613,793.6

290,843.3

150,833.4

13,750.4

13,075.6

8,970.5

16,045.1

2,179.1

1,845.3

Short-term depositsb

592

36,897.7

85,157.3

0.0

468,477.5

175,728.7

119,324.3

4,566.5

4,937.1

6,948.8

15,692.1

1,234.7

1,503.9

Long-term depositsb

592

25,923.9

47,009.3

0.0

189,107

115,114.6

40,499.5

9,184.0

8,759.3

2,021.7

2,237.6

944.4

1,545.1

CAPITALb

592

14,665.5

29,863.3

103.5

146,238.9

66,790.2

36,659.1

2,451.9

2,430.2

2,085.9

1,982.9

3,141.6

2,392.3

ASSETSb

592

140,438.4

279,564.6

127.5

1,295,406

615,430.0

361,107.2

33,806.2

29,388.5

13,862.3

20,220.0

41,451.9

46,934.7

IIRDE

561

4.2

1.9

0.6

10.6

2.8

1.3

4.6

1.5

5.2

1.9

3.4

1.9

GROWTHDE

561

1.1

0.3

0.1

2.9

1.0

0.1

1.1

0.2

1.1

0.3

1.1

0.5

MATURITYDEc

486

0.1

0.6

−1.0

1.0

−0.1

0.2

0.4

0.4

0.03

0.7

−0.6

0.5

CAPITALR

592

15.9

14.1

1.3

81.2

12.2

4.4

10.8

9.8

28.5

19.0

13.5

10.3

RESERVE

484

803.9

4,354.5

45.3

57,772.3

214.2

131.5

298.0

727.3

172.8

78.5

8,806.9

14,872.2

DOUBTFUL

489

4.1

4.9

0.0

30.3

2.4

1.3

2.7

2.1

8.0

7.0

1.4

3.0

ROA

590

−0.5

9.0

−83.9

19.8

1.4

0.6

0.3

2.4

−4.5

17.4

0.9

1.4

ROE

590

5.8

21.4

−131.3

66.6

11.9

5.7

8.1

9.6

−6.5

36.5

10.6

15.4

MANAGEMENT1

586

8.4

10.5

0.2

79.3

3.4

1.4

4.5

5.6

21.1

13.0

5.2

6.0

MANAGEMENT2

571

102.3

142.0

10.7

1,978.6

67.8

16.1

79.1

22.5

187.0

268.4

76.5

49.0

LIQUIDITY1

591

11.2

9.3

0.1

65.9

11.8

2.9

10.3

10.7

12.4

8.5

11.1

11.2

LIQUIDITY2

497

63.0

67.0

6.1

801.7

40.1

14.3

54.1

47.1

64.0

63.8

114.1

113.8

Z SCORE

588

27.9

22.6

−1.6

155.7

40.0

22.0

34.7

24.0

11.6

12.7

23.3

15.7

EXPOSURE

588

19.2

24.4

0.0

100

5.6

2.3

18.5

17.9

22.2

31.1

30.6

31.0

Loan growth

580

1.05

0.20

0.12

2.78

1.01

0.3

1.04

0.15

1.06

0.17

1.07

0.37

  1. G7: Banamex, Banorte, BBVA Bancomer, HSBC, Inbursa, Santander, and Scotiabank. Retail banks: American Express, Autofin, Banco Azteca, Bancoppel, Compartamos, Banco Fácil, Banco Ahorro Famsa, Volkswagen Bank, and Banco Wal-Mart. Commercial banks: ABC Capital, Afirme, Banco del Bajío, Banregio, Bansí, CIBanco, Interacciones, Inter Banco, Invex, Ixe, Banca Mifel, Multiva, Bank of Tokyo-Mitsubishi Ufj, and Ve por Más. Investment banks: Actinver, Bank of America, Deutsche Bank, ING, JP Morgan, Monex, and Royal Bank of Scotland. Source: Author’s calculations using CNBV data
  2. aRESERVE and DOUBTFUL include only information of Monex and Royal Bank of Scotland
  3. bBalances at quarter end, in millions of Mexican pesos; the rest of variables are ratios in percent, excepting Loan growth, GROWTHDE, MATURITYDE and Z SCORE
  4. cIt does not include information of the banks: ING, Volkswagen (only reported deposits on long term), The Royal Bank of Scotland (only reported deposits on short term), Banco Fácil, Compartamos and Deutsche Bank (because of data limitations)