Although the coefficients on the bank specific factors are of secondary interest to competitive analysis, they are
reported for the overall sample along with H statistics in Table 1. Note that, the sign on the size coefficient loan to
assets (Loan) is positive and significant for most of the cases, suggesting that size differentials in assets among
banks lead to higher interest revenues per dollar of assets for the larger banks. Larger banks seem to be more
efficient in revenue generating process compared to smaller banks