Determinants and Leading Indicators of Banking Crises: Further Evidence By Daniel Hardy and Ceyla Pazarbasiglu Explanation of variable codes CTY--country code YR--year NGDPL--nominal GDP PGDPL--GDP deflator RGDPL--real GDP CPIL--cons. price index IDS--discount rate IDR--deposit rate ILR--loan rate ERXL--dollar exch. rate ERNL--nom. eff. exch. rate ERRL--real eff. exch. rate BCPL--dep. money bank credit to private sector BDDL--bank demand deposits BTDL--bank time deposits BDLL--bank total dep. liabs. BFAL--bank foreign assets BFLL--bank for. liab. BRML--bank reserves CMAL--credit from monetary authority RESL--international reserves minus gold CABL--current account balance IMPL--imports, cif FCFL--Fixed capital formation PCNL--Private consumption TOT--terms of trade CSD--Crisis/severe distress dummy CRD--Crisis dummy NOCRSD--Dummy for no crisis countries RPTD--Dummy for repeat crisis ____L--Variable in levels