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The Impact of Education and Technology on Sustainability and Profitability in the Banking Sector

Table 3: Numerical correlations between variables. Authors' own calculations based on data collected from World Bank databases

Variance Decomposition of D(ROA)
Period S.E. D(ROA) D(CR_FL) D(ELE_PAY) D(COM_1_REN) D(ROE)
1 0.84309 100 0.00000 0.00000 0.00000 0.00000
2 0.94085 99.55945 0.000179 0.219543 0.045765 0.17506
3 0.94208 99.31402 0.000942 0.307472 0.192385 0.18518
4 0.94865 99.0168 0.001128 0.346288 0.206349 0.42944
5 0.94985 98.90723 0.001388 0.347022 0.206934 0.537428
6 0.94988 98.90424 0.001418 0.347403 0.208967 0.53797
7 0.94999 98.89052 0.001508 0.350608 0.20931 0.548051
8 0.95002 98.88411 0.001519 0.352437 0.209349 0.552586
9 0.95003 98.88271 0.001538 0.35377 0.209346 0.552642
10 0.95004 98.88096 0.00157 0.355291 0.209357 0.552823
Variance Decomposition of D(CO2_EMIS)
Period S.E. D(CO2_EM) D(CR_FL) D(ELE_PAY) D(ROE) D(COM_1_REN)
1 2.18507 100 0.000000 0.000000 0.000000 0.000000
2 2.21839 99.29065 0.007093 0.000937 0.184167 0.517155
3 2.26572 95.66479 1.181343 0.408586 2.242299 0.502977
4 2.27249 95.15507 1.188172 0.476397 2.658565 0.521793
5 2.27642 94.89285 1.357684 0.507791 2.697778 0.543895
6 2.27864 94.71106 1.395953 0.589968 2.760005 0.543011
7 2.28032 94.57306 1.471834 0.65432 2.758481 0.542305
8 2.28124 94.4986 1.497987 0.701117 2.760405 0.541887
9 2.28217 94.42303 1.528662 0.748102 2.758597 0.541607
10 2.28288 94.36432 1.545828 0.791674 2.7569 0.541276
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