0

10
20
30
40
50
60
70

120
160
200
240

0
40
80
Albania - 00
Albania - 00
Albania - 15
Albania - 15
Austria - 13
Austria - 13
Belgia - 11
Belgia - 11
Bulgaria - 09
Bulgaria - 09
Belarus - 07
Belarus - 07
Cipru - 05
Cipru - 05
Germania - 03
Germania - 03
Spania - 01
Spania - 01
Spania - 16
Spania - 16
Finlanda - 14
Finlanda - 14
Franta - 12
Franta - 12
Regatul Unit - 10
Regatul Unit - 10
Grecia - 08
Grecia - 08
Croatia - 06
Croatia - 06
Credite neperformante

Ungaria - 04
Ungaria - 04

Indicele pretului de consum

Italia - 02
Italia - 02
Lituania - 00
Lituania - 00
Lituania - 15
Lituania - 15
Polonia - 13
Polonia - 13
Portugalia - 11
Portugalia - 11
Romania - 09
Romania - 09
Ucraina - 07
Ucraina - 07
 -5
0
5

-20
-15
-10
10
15
120
160
200

-40
40
80
Albania - 00 Albania - 00
Albania - 15 Albania - 15
Austria - 13 Austria - 13
Belgia - 11 Belgia - 11
Bulgaria - 09 Bulgaria - 09
Belarus - 07 Belarus - 07
Cipru - 05 Cipru - 05
Germania - 03 Germania - 03
Spania - 01 Spania - 01
Spania - 16 Spania - 16
Finlanda - 14 Finlanda - 14
Franta - 12 Franta - 12
Regatul Unit - 10 Regatul Unit - 10
Inflatia

PIB/ Loc.
Grecia - 08 Grecia - 08
Croatia - 06 Croatia - 06
Ungaria - 04 Ungaria - 04
Italia - 02 Italia - 02
Lituania - 00 Lituania - 00
Lituania - 15 Lituania - 15
Polonia - 13 Polonia - 13
Portugalia - 11 Portugalia - 11
Romania - 09 Romania - 09
Ucraina - 07 Ucraina - 07
Dependent Variable: CREDITE_NEPERFORMANTE
Method: Panel Least Squares

Sample: 2000 2016

Periods included: 17
Cross-sections included: 20
Total panel (unbalanced) observations: 339

Variable Coefficient Std. Error t-Statistic Prob.

INDICELE_PRETULUI_DE_CON 0.032750 0.025140 1.302728 0.1936

INFLATIA 0.090518 0.048827 1.853858 0.0646
PIB__LOC_ -0.300205 0.159129 -1.886547 0.0601
C 5.124608 2.586584 1.981226 0.0484

R-squared 0.031321 Mean dependent var 7.843803

Adjusted R-squared 0.022646 S.D. dependent var 9.313372
S.E. of regression 9.207314 Akaike info criterion 7.289603
Sum squared resid 28399.50 Schwarz criterion 7.334747
Log likelihood -1231.588 Hannan-Quinn criter. 7.307593
F-statistic 3.610547 Durbin-Watson stat 0.240986
Prob(F-statistic) 0.013613
 0
40
80
120
160
200
0
10
20
30
40
50
60
70

-40

0
20
40
60
80
100
120
Albania - 00 Albania - 00

0
Austria - 03 Austria - 03
Belgia - 06 Belgia - 06

5
Bulgaria - 09 Bulgaria - 09
Belarus - 12 Belarus - 12

10
Cipru - 15 Cipru - 15
Spania - 01 Spania - 01

15
Finlanda - 04 Finlanda - 04

20
Franta - 07 Franta - 07
Regatul Unit - 10 Regatul Unit - 10

Inflatia

25
Grecia - 13 Grecia - 13
Croatia - 16 Croatia - 16

30
Credite neperformante

Italia - 02 Italia - 02
Lituania - 05 Lituania - 05

35
Polonia - 08 Polonia - 08
Portugalia - 11 Portugalia - 11

40
Romania - 14 Romania - 14

45
50
0
5
10
15
0
50
100
150
200
250

-20
-15
-10
-5
Albania - 00 Albania - 00

55
Austria - 03 Austria - 03

60
Belgia - 06 Belgia - 06
Bulgaria - 09 Bulgaria - 09
Belarus - 12 Belarus - 12
Cipru - 15 Cipru - 15

Mean
Median
Spania - 01 Spania - 01

Kurtosis
Std. Dev.
Minimum
Maximum

Skewness
Finlanda - 04 Finlanda - 04

Probability
Jarque-Bera
Franta - 07 Franta - 07
Regatul Unit - 10 Regatul Unit - 10

Observations 340
PIB/ Loc.

Sample 2000 2016

Grecia - 13 Grecia - 13
Croatia - 16 Croatia - 16

1304.792
11.13924
2.542425
9.301788
0.000000
59.75700
4.318018
7.854680

0.000000
Italia - 02 Italia - 02
Indicele pretului de consum

Lituania - 05 Lituania - 05
Polonia - 08 Polonia - 08
Portugalia - 11 Portugalia - 11
Romania - 14 Romania - 14

Series: CREDITE_NEPERFORMANTE
 CREDITE_...
Mean 7.854680
Median 4.318018
Maximum 59.75700
Minimum 0.000000
Std. Dev. 9.301788
Skewness 2.542425
Kurtosis 11.13924

Jarque-Bera 1304.792
Probability 0.000000

Sum 2670.591
Sum Sq. Dev. 29331.38

Observations 340

Creditele neperformante
500.00
450.00 2016
400.00 2015
350.00
2014
300.00
250.00 2013
200.00 2012
150.00 2011
100.00
2010
50.00
0.00 2009
2008
2007
 -40.00
-20.00
100.00

20.00
40.00
60.00
80.00

0.00
100.00
200.00
300.00
400.00
500.00
600.00

-100.00
0.00
Albania Albania
Austria Austria
Belgia Belgia

1000.00
1200.00
1400.00
1600.00
1800.00

200.00
400.00
600.00
800.00

0.00
Bulgaria Bulgaria
Belarus Albania Belarus
Cipru Austria Cipru
Germania Belgia Germania
Spania Bulgaria Spania
Finlanda Cipru Finlanda
Franta Franta
Germania
Regatul Unit Regatul Unit
Spania
Grecia Grecia
Inflatia

Finlanda

PIB/loc.
Croatia Croatia
Franta
Ungaria Ungaria
Regatul Unit Italia
Italia
Grecia Lituania
Lituania
Croatia Polonia
Polonia
Portugalia Ungaria Portugalia
Romania Italia Romania
Ucraina Lituania Ucraina
Polonia
Portugalia
Indicele pretului de consum

Romania
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016

2007
2008
2009
2010
2011
2012
2013
2014
2015
Ucraina

2009
2011
2012
2013
2014
2015
2016

2010