Các yếu tố ảnh hưởng đến khả năng sinh lời và chấp nhận rủi ro tại các ngân hàng thương mại cổ phần Việt Nam

Wald chi2(8) =

90.89

avg =

7.00

Prob > chi2 =

0.000

max =

Có thể bạn quan tâm!

Các yếu tố ảnh hưởng đến khả năng sinh lời và chấp nhận rủi ro tại các ngân hàng thương mại cổ phần Việt Nam - 9
Các yếu tố ảnh hưởng đến khả năng sinh lời và chấp nhận rủi ro tại các ngân hàng thương mại cổ phần Việt Nam - 10
Các yếu tố ảnh hưởng đến khả năng sinh lời và chấp nhận rủi ro tại các ngân hàng thương mại cổ phần Việt Nam - 11
Các yếu tố ảnh hưởng đến khả năng sinh lời và chấp nhận rủi ro tại các ngân hàng thương mại cổ phần Việt Nam - 13

Xem toàn bộ 104 trang tài liệu này.

roa

Coef.	Robust Std. Err.	z	P>\|z\|	[95% Conf.	Interval]
size	.1146191	.2306066	0.50	0.619	-.3373615	.5665997
cap	.0123085	.0739247	0.17	0.868	-.1325813	.1571983
nita	30.11619	13.24987	2.27	0.023	4.146916	56.08545
loanta	.2079012	1.378363	0.15	0.880	-2.49364	2.909443
gdp	14.68915	7.66372	1.92	0.055	-.3314653	29.70976
irs	.5948811	13.86235	0.04	0.966	-26.57482	27.76458
irs2	49.47014	54.07779	0.91	0.360	-56.52038	155.4607
irl	.0316518	13.27603	0.00	0.998	-25.98888	26.05219
_cons	-4.598232	8.528104	-0.54	0.590	-21.31301	12.11654

Instruments for first differences equation

GMM-type (missing=0, separate instruments for each period unless collapsed) L(1/7).nita

Instruments for levels equation Standard

L.nita

_cons

Arellano-Bond test for AR(1) in first differences: z = -1.76 Pr > z = 0.079 Arellano-Bond test for AR(2) in first differences: z = -1.03 Pr > z = 0.305

Sargan test of overid. restrictions: chi2(21) = 40.85 Prob > chi2 = 0.006 (Not robust, but not weakened by many instruments.)

Hansen test of overid. restrictions: chi2(21) = 12.99 Prob > chi2 = 0.909 (Robust, but weakened by many instruments.)

Difference-in-Hansen tests of exogeneity of instrument subsets: iv(L.nita, eq(level))

Hansen test excluding group: chi2(20)

= 11.17 Prob > chi2 =	0.942
Difference (null H = exogenous): chi2(1)	= 1.82 Prob > chi2 =	0.177

Warning: Two-step estimated covariance matrix of moments is singular.

Using a generalized inverse to calculate robust weighting matrix for Hansen test. Difference-in-Sargan/Hansen statistics may be negative.

Dynamic panel-data estimation, one-step system GMM

Group variable: id

Number of obs	=	140
Time variable : year	Number of groups	=	20
Number of instruments = 23	Obs per group: min	=	7
Wald chi2(8) = 170.52	avg	=	7.00
Prob > chi2 = 0.000	max	=	7

roe

Coef.	Robust Std. Err.	z	P>\|z\|	[95% Conf.	Interval]
size	2.552261	1.215121	2.10	0.036	.1706683	4.933853
cap	.7341606	.553844	1.33	0.185	-.3513537	1.819675
nita	685.7593	217.5078	3.15	0.002	259.4518	1112.067
loanta	15.4409	31.22492	0.49	0.621	-45.75883	76.64062
gdp	-109.7745	174.7474	-0.63	0.530	-452.2731	232.7241
irs	19.32669	242.5241	0.08	0.936	-456.0118	494.6652
irs2	109.996	1252.401	0.09	0.930	-2344.666	2564.658
irl	-51.65197	204.4699	-0.25	0.801	-452.4056	349.1016
_cons	-84.05475	30.45626	-2.76	0.006	-143.7479	-24.36158

Instruments for first differences equation Standard

D.L.size

Instruments for levels equation Standard

L.size

_cons

GMM-type (missing=0, separate instruments for each period unless collapsed) DL(1/6).size

Arellano-Bond test for AR(1) in first differences: z = 0.73 Pr > z = 0.467 Arellano-Bond test for AR(2) in first differences: z = -1.40 Pr > z = 0.160

Sargan test of overid. restrictions: chi2(14) = 17.48 Prob > chi2 = 0.231 (Not robust, but not weakened by many instruments.)

Hansen test of overid. restrictions: chi2(14) = 6.78 Prob > chi2 = 0.943 (Robust, but weakened by many instruments.)

Difference-in-Hansen tests of exogeneity of instrument subsets: iv(L.size)

Hansen test excluding group: chi2(13)

= 6.79 Prob > chi2 =	0.912
Difference (null H = exogenous): chi2(1)	= -0.02 Prob > chi2 =	1.000

Dynamic panel-data estimation, one-step system GMM

Group variable: id

Number of obs	=	138
Time variable : year	Number of groups	=	20
Number of instruments = 27	Obs per group: min	=	5
Wald chi2(8) = 34.07	avg	=	6.90
Prob > chi2 = 0.000	max	=	7

pcl

Coef.	Std. Err.	z	P>\|z\|	[95% Conf.	Interval]
size	-.0037302	.0033195	-1.12	0.261	-.0102362	.0027759
cap	-.0002795	.0009106	-0.31	0.759	-.0020643	.0015053
nita	.3030282	.4127287	0.73	0.463	-.5059052	1.111962
loanta	-.0794638	.0536009	-1.48	0.138	-.1845197	.0255921
gdp	-.2781891	.5561492	-0.50	0.617	-1.368222	.8118433
irs	1.099274	.6593096	1.67	0.095	-.1929494	2.391497
irs2	-5.346907	3.022598	-1.77	0.077	-11.27109	.5772771
irl	-.3730253	.37129	-1.00	0.315	-1.10074	.3546898
_cons	.1906922	.1095191	1.74	0.082	-.0239613	.4053457

Instruments for first differences equation Standard

D.(L.nita L.cap)

GMM-type (missing=0, separate instruments for each period unless collapsed) L(1/2).(nita cap)

Instruments for levels equation Standard

L.nita L.cap

_cons

Arellano-Bond test for AR(1) in first differences: z = -2.80 Pr > z = 0.005 Arellano-Bond test for AR(2) in first differences: z = -0.86 Pr > z = 0.389

Sargan test of overid. restrictions: chi2(18) = 8.38 Prob > chi2 = 0.972 (Not robust, but not weakened by many instruments.)

Difference-in-Sargan tests of exogeneity of instrument subsets: iv(L.nita L.cap)

Sargan test excluding group: chi2(16)

=	7.56 Prob > chi2 =	0.961
Difference (null H = exogenous): chi2(2)	=	0.82 Prob > chi2 =	0.662

PHỤ LỤC DANH MỤC NGÂN HÀNG

STT

Mã Ngân hàng	Tên ngân hàng
1	ABBank	Ngân hàng TMCP An Bình
2	ACB	Ngân hàng TMCP Á Châu
3	BIDV	Ngân hàng TMCP Đầu Tư Và Phát Triển Việt Nam
4	VIETINBANK	Ngân hàng TMCP Công Thương Việt Nam
5	EXIMBANK	Ngân hàng TMCP Xuất Nhập Khẩu Việt Nam
6	HDBank	Ngân hàng TMCP Phát Triển TP. Hồ Chí Minh
7	KIENLONGBANK	Ngân hàng TMCP Kiên long
8	MBB	Ngân hàng TMCP Quân Đội
9	MSB	Ngân hàng TMCP Hàng Hải Việt Nam
10	NAMABANK	Ngân hàng TMCP Nam Á
11	NCB	Ngân hàng TMCP Quốc Dân Việt Nam
12	OCB	Ngân hàng TMCP Phương Đông
13	PGBANK	Ngân hàng TMCP Xăng Dầu Petrolimex
14	SHB	Ngân hàng TMCP Sài Gòn - Hà Nội
15	STB	Ngân hàng TMCP Sài Gòn Thương Tín
16	TECHCOMBANK	Ngân hàng TMCP Kỹ Thương Việt Nam
17	VCB	Ngân hàng TMCP Ngoại Thương Việt Nam
18	VIB	Ngân hàng TMCP Quốc Tế
19	SEABANK	Ngân hàng TMCP Đông Nam Á
20	VPBANK	Ngân hàng TMCP Việt Nam Thinh Vượng

PHỤ LỤC DỮ LIỆU

YEAR

NIM	ROA	ROE	PCL	SIZE	CAP	LOANTA	NITA	INF	GDP	IR-L	IR-S	PROFIT
2017	2.5820	0.5785	7.9894	0.0277	32.0678	7.2407	0.5579	0.0062	0.0260	0.0641	0.0556	0.0404	0.4279
2016	3.1661	0.3289	4.1748	0.0256	31.9374	7.8770	0.5286	0.0059	0.0474	0.0621	0.0664	0.0518	0.2299
2015	2.8864	0.1418	1.5757	0.0242	31.7957	8.9988	0.4743	0.0050	0.0060	0.0668	0.0678	0.0468	0.2164
2014	2.7353	0.1734	2.0466	0.0451	31.8426	8.4716	0.3779	0.0030	0.0184	0.0598	0.0793	0.0494	0.1580
2013	2.7116	0.2439	2.4469	0.0763	31.6850	9.9683	0.3990	0.0059	0.0604	0.0542	0.0907	0.0706	0.1944
2012	4.1767	0.8678	8.1484	0.0284	31.4600	10.6495	0.3986	0.0018	0.0681	0.0525	0.1043	0.0891	0.3693
2011	2.4722	0.7541	6.6624	0.0282	31.3597	11.3191	0.4708	-0.0008	0.1813	0.0589	0.1190	0.1351	0.3212
2010	2.1765	1.2562	10.3027	0.0117	31.2686	12.1934	0.5175	0.0036	0.1175	0.0678	0.1137	0.1073	0.3283
2017	2.9748	0.7450	13.2128	0.0070	33.2811	5.6384	0.6917	0.0105	0.0260	0.0641	0.0556	0.0404	3.5096
2016	3.1661	0.5671	9.4233	0.0088	33.0850	6.0179	0.6916	0.0029	0.0474	0.0621	0.0664	0.0518	2.7613
2015	2.8864	0.5104	8.0409	0.0132	32.9366	6.3475	0.6653	0.0017	0.0060	0.0668	0.0678	0.0468	1.7003
2014	2.7353	0.5299	7.6775	0.0218	32.8218	6.9024	0.6389	0.0072	0.0184	0.0598	0.0793	0.0494	1.4774
2013	2.7116	0.4961	6.6097	0.0303	32.7466	7.5056	0.6341	0.0076	0.0604	0.0542	0.0907	0.0706	1.3517
2012	4.1767	0.4447	6.2105	0.0250	32.8033	7.1605	0.5746	-0.0059	0.0681	0.0525	0.1043	0.0891	0.6651
2011	2.4722	1.1415	26.8234	0.0089	33.2694	4.2556	0.3623	0.0037	0.1813	0.0589	0.1190	0.1351	0.8289
2010	2.1765	1.1384	20.5225	0.0034	32.9545	5.5469	0.4216	0.0065	0.1175	0.0678	0.1137	0.1073	0.7902
2017	2.5747	0.5777	14.2228	0.0162	34.7230	4.0618	0.7116	0.0067	0.0260	0.0641	0.0556	0.0404	7.0920
2016	2.4497	0.6157	14.0368	0.0199	34.5452	4.3863	0.7091	0.0070	0.0474	0.0621	0.0664	0.0518	4.9409
2015	2.3551	0.7496	15.0624	0.0168	34.3770	4.9767	0.7035	0.0063	0.0060	0.0668	0.0678	0.0468	4.2565
2014	2.7060	0.7608	14.8714	0.0203	34.1085	5.1160	0.6751	0.0078	0.0184	0.0598	0.0793	0.0494	3.5170
2013	2.6144	0.7350	12.5802	0.0226	33.9380	5.8426	0.7019	0.0096	0.0604	0.0542	0.0907	0.0706	3.5757
2012	1.9826	0.6734	12.3218	0.0270	33.8147	5.4652	0.6890	0.0072	0.0681	0.0525	0.1043	0.0891	1.7461
2011	3.5234	0.7886	13.1183	0.0276	33.6368	6.0111	0.7100	0.0068	0.1813	0.0589	0.1190	0.1351	0.8745

2010

2.3145	1.0259	15.5150	0.0253	33.5344	6.6126	0.6796	0.0063	0.1175	0.0678	0.1137	0.1073	1.2687
2017	2.4723	0.6811	11.6974	0.0114	34.6296	5.8230	0.7145	0.0051	0.0260	0.0641	0.0556	0.0404	9.2340
2016	2.4969	0.7229	11.3542	0.0102	34.4861	6.3666	0.6906	0.0043	0.0474	0.0621	0.0664	0.0518	6.9908
2015	2.4779	0.7334	10.1887	0.0092	34.2897	7.1984	0.6845	0.0050	0.0060	0.0668	0.0678	0.0468	3.9424
2014	2.7348	0.8663	10.4107	0.0112	34.1250	8.3210	0.6588	0.0052	0.0184	0.0598	0.0793	0.0494	4.1408
2013	3.1902	1.0077	10.7407	0.0100	33.9878	9.3820	0.6471	0.0061	0.0604	0.0542	0.0907	0.0706	4.1765
2012	3.6675	1.2253	18.3487	0.0147	33.8527	6.6778	0.6547	0.0070	0.0681	0.0525	0.1043	0.0891	4.6687
2011	4.3580	1.3589	21.9697	0.0075	33.7636	6.1856	0.6305	0.0051	0.1813	0.0589	0.1190	0.1351	4.5406
2010	3.2898	0.9343	18.9081	0.0066	33.5383	4.9415	0.6294	0.0074	0.1175	0.0678	0.1137	0.1073	2.2478
2017	1.7861	0.5509	5.7738	0.0227	32.6374	9.5409	0.6713	0.0052	0.0260	0.0641	0.0556	0.0404	0.2155
2016	2.6104	0.2399	2.2972	0.0295	32.4893	10.4412	0.6663	0.0051	0.0474	0.0621	0.0664	0.0518	-0.4631
2015	2.8917	0.0320	0.3043	0.0186	32.4581	10.5284	0.6719	0.0032	0.0060	0.0668	0.0678	0.0468	-0.8175
2014	1.8555	0.0348	0.3987	0.0246	32.7130	8.7330	0.5346	0.0014	0.0184	0.0598	0.0793	0.0494	-0.8346
2013	1.6828	0.3878	4.4870	0.0198	32.7659	8.6438	0.4866	0.0030	0.0604	0.0542	0.0907	0.0706	0.6281
2012	3.2239	1.2569	13.5253	0.0132	32.7677	9.2928	0.4368	0.0029	0.0681	0.0525	0.1043	0.0891	1.8940
2011	3.0675	1.6555	18.6405	0.0161	32.8436	8.8810	0.4034	0.0051	0.1813	0.0589	0.1190	0.1351	2.6598
2010	2.3484	1.3840	13.4311	0.0142	32.5071	10.3048	0.4707	0.0060	0.1175	0.0678	0.1137	0.1073	0.3429
2017	3.3352	1.0323	13.2420	0.0152	32.8745	7.7953	0.5458	0.0061	0.0260	0.0641	0.0556	0.0404	1.7695
2016	3.1126	0.6085	9.1977	0.0146	32.6436	6.6155	0.5410	0.0049	0.0474	0.0621	0.0664	0.0518	0.7470
2015	3.1972	0.5917	6.7087	0.0159	32.2990	8.8203	0.5245	0.0083	0.0060	0.0668	0.0678	0.0468	0.9091
2014	1.6888	0.4792	5.3738	0.0204	32.2314	8.9164	0.4171	0.0128	0.0184	0.0598	0.0793	0.0494	0.5136
2013	0.3693	0.2524	2.5303	0.0353	32.0880	9.9732	0.5025	0.0144	0.0604	0.0542	0.0907	0.0706	0.2833
2012	1.6574	0.6184	6.0520	0.0235	31.5972	10.2188	0.3970	0.0127	0.0681	0.0525	0.1043	0.0891	0.3364
2011	3.0917	0.9472	12.0220	0.0211	31.4382	7.8792	0.3044	-0.0014	0.1813	0.0589	0.1190	0.1351	0.4529
2010	1.5940	0.7834	11.4271	0.0083	31.1688	6.8557	0.3386	0.0055	0.1175	0.0678	0.1137	0.1073	0.2840
2017	2.7906	0.5403	5.6789	0.0084	31.2507	9.5149	0.6554	0.0023	0.0260	0.0641	0.0556	0.0404	0.3006

2016

2.9645	0.3973	3.5967	0.0106	31.0471	11.0469	0.6435	0.0046	0.0474	0.0621	0.0664	0.0518	0.1310
2015	3.4913	0.6525	4.8983	0.0113	30.8627	13.3217	0.6350	0.0011	0.0060	0.0668	0.0678	0.0468	0.1652
2014	3.6806	0.7614	5.2291	0.0195	30.7710	14.5608	0.5796	0.0003	0.0184	0.0598	0.0793	0.0494	0.1824
2013	5.0984	1.4665	9.0176	0.0247	30.6931	16.2628	0.5616	0.0014	0.0604	0.0542	0.0907	0.0706	0.3307
2012	6.1180	1.8892	10.1898	0.0293	30.5532	18.5397	0.5135	0.0016	0.0681	0.0525	0.1043	0.0891	0.3513
2011	5.2997	2.2108	11.4179	0.0277	30.5130	19.3630	0.4655	0.0021	0.1813	0.0589	0.1190	0.1351	0.3949
2010	4.1949	1.5470	6.0573	0.0111	30.1669	25.5389	0.5501	-0.0020	0.1175	0.0678	0.1137	0.1073	0.1959
2017	3.5743	1.1120	11.7915	0.0120	33.3800	9.4308	0.5800	0.0084	0.0260	0.0641	0.0556	0.0404	5.9773
2016	2.3542	1.1253	10.8451	0.0132	33.1772	10.3756	0.5802	0.0073	0.0474	0.0621	0.0664	0.0518	4.6993
2015	3.4425	1.1365	10.8361	0.0161	33.0294	10.4881	0.5400	0.0066	0.0060	0.0668	0.0678	0.0468	3.6331
2014	3.6231	1.2484	15.1137	0.0273	32.9318	8.2603	0.4893	0.0088	0.0184	0.0598	0.0793	0.0494	2.7890
2013	3.4670	1.2672	15.0890	0.0245	32.8261	8.3979	0.4766	0.0085	0.0604	0.0542	0.0907	0.0706	2.1292
2012	3.8921	1.3131	17.9252	0.0184	32.7993	7.3253	0.4166	0.0069	0.0681	0.0525	0.1043	0.0891	1.5057
2011	3.9374	1.5319	22.0564	0.0159	32.5643	6.9452	0.4174	-0.0005	0.1813	0.0589	0.1190	0.1351	1.2497
2010	3.2595	1.5920	19.6476	0.0126	32.3281	8.1026	0.4384	0.0052	0.1175	0.0678	0.1137	0.1073	0.7813
2017	1.4274	0.1087	0.8893	0.0223	32.3517	12.2256	0.3188	0.0147	0.0260	0.0641	0.0556	0.0404	1.1580
2016	2.9532	0.1512	1.0294	0.0236	32.1594	14.6859	0.3743	0.0168	0.0474	0.0621	0.0664	0.0518	1.0581
2015	1.5727	0.1115	0.8539	0.0341	32.2784	13.0535	0.2635	0.0087	0.0060	0.0668	0.0678	0.0468	0.9367
2014	1.1694	0.1368	1.5113	0.0516	32.2790	9.0503	0.2201	0.0111	0.0184	0.0598	0.0793	0.0494	0.6697
2013	1.5267	0.3080	3.5046	0.0271	32.3049	8.7873	0.2490	0.0075	0.0604	0.0542	0.0907	0.0706	0.5487
2012	1.9760	0.2060	2.4908	0.0265	32.3308	8.2694	0.2565	0.0055	0.0681	0.0525	0.1043	0.0891	0.2698
2011	1.4924	0.6971	8.3932	0.0227	32.3705	8.3059	0.3269	0.0075	0.1813	0.0589	0.1190	0.1351	0.6686
2010	1.6884	1.0033	18.2869	0.0187	32.3789	5.4862	0.2733	0.0057	0.1175	0.0678	0.1137	0.1073	0.4174
2017	2.2662	0.4395	6.5241	0.0195	31.6281	6.7360	0.6521	0.0083	0.0260	0.0641	0.0556	0.0404	0.4031
2016	1.8703	0.0767	0.9572	0.0294	31.3888	8.0115	0.5519	0.0037	0.0474	0.0621	0.0664	0.0518	0.2051
2015	2.8798	0.5478	5.6899	0.0091	31.1997	9.6268	0.5828	0.0030	0.0060	0.0668	0.0678	0.0468	0.1919

2014

1.8988	0.5019	5.6185	0.0147	31.2498	8.9326	0.4418	0.0027	0.0184	0.0598	0.0793	0.0494	0.1591
2013	1.4812	0.4684	4.1377	0.0148	30.9908	11.3213	0.3993	0.0096	0.0604	0.0542	0.0907	0.0706	0.1146
2012	3.0533	1.1285	5.5128	0.0271	30.4041	20.4698	0.4234	0.0119	0.0681	0.0525	0.1043	0.0891	0.1535
2011	2.1428	1.2634	7.2878	0.0284	30.5774	17.3356	0.3620	0.0060	0.1813	0.0589	0.1190	0.1351	0.2405
2010	1.9271	0.9554	6.3733	0.0218	30.3058	14.9902	0.3617	0.0095	0.1175	0.0678	0.1137	0.1073	0.1386
2017	1.5555	0.0306	0.6822	0.0153	31.9055	4.4795	0.4420	0.0015	0.0260	0.0641	0.0556	0.0404	0.0777
2016	1.6626	0.0157	0.3358	0.0148	31.8653	4.6778	0.3632	0.0014	0.0474	0.0621	0.0664	0.0518	0.0896
2015	1.6832	0.0135	0.2017	0.0215	31.5070	6.6708	0.4193	0.0000	0.0060	0.0668	0.0678	0.0468	0.0873
2014	1.1795	0.0221	0.2533	0.0252	31.2376	8.7175	0.4464	0.0017	0.0184	0.0598	0.0793	0.0494	0.0890
2013	2.2083	0.0635	0.5761	0.0607	31.0009	11.0184	0.4563	0.0024	0.0604	0.0542	0.0907	0.0706	0.0996
2012	3.6336	0.0111	0.0753	0.0564	30.7030	14.7523	0.5869	0.0005	0.0681	0.0525	0.1043	0.0891	0.0810
2011	3.4921	0.7388	5.1679	0.0292	30.7444	14.2958	0.5670	-0.0024	0.1813	0.0589	0.1190	0.1351	0.1667
2010	2.6272	0.7839	7.7590	0.0224	30.6276	10.1034	0.5315	0.0018	0.1175	0.0678	0.1137	0.1073	0.1574
2017	2.8483	0.9689	13.3037	0.0179	32.0654	7.2828	0.5668	0.0038	0.0260	0.0641	0.0556	0.0404	0.8289
2016	2.7469	0.6063	8.2049	0.0176	31.7870	7.3896	0.5982	0.0031	0.0474	0.0621	0.0664	0.0518	0.4631
2015	2.7868	0.4236	4.9576	0.0175	31.5319	8.5451	0.5552	0.0020	0.0060	0.0668	0.0678	0.0468	0.4256
2014	2.7075	0.5641	5.4894	0.0285	31.2970	10.2768	0.5412	0.0041	0.0184	0.0598	0.0793	0.0494	0.2495
2013	3.9236	0.7361	6.0889	0.0514	31.1213	12.0895	0.6090	-0.0009	0.0604	0.0542	0.0907	0.0706	0.5025
2012	4.4618	0.8383	6.0189	0.0246	30.9424	13.9278	0.6172	-0.0043	0.0681	0.0525	0.1043	0.0891	0.2986
2011	3.7568	1.1904	8.0689	0.0300	30.8669	14.7533	0.5376	0.0001	0.1813	0.0589	0.1190	0.1351	0.4270
2010	3.4722	1.5464	9.6975	0.0205	30.6111	15.9466	0.5830	0.0037	0.1175	0.0678	0.1137	0.1073	0.3049
2017	2.6746	0.2202	1.8120	0.0334	31.0085	12.1505	0.7234	0.0080	0.0260	0.0641	0.0556	0.0404	0.3462
2016	2.9728	0.4940	3.5083	0.0247	30.8429	14.0802	0.6993	0.0032	0.0474	0.0621	0.0664	0.0518	0.3001
2015	2.7249	0.1653	1.2099	0.0275	30.8371	13.6650	0.6363	0.0037	0.0060	0.0668	0.0678	0.0468	0.1836
2014	2.6009	0.5084	3.9243	0.0248	30.8806	12.9540	0.5560	0.0037	0.0184	0.0598	0.0793	0.0494	0.1625
2013	2.2446	0.1536	1.1902	0.0298	30.8449	12.9027	0.5499	0.0067	0.0604	0.0542	0.0907	0.0706	0.0383