SUMMARY OUTPUT

Regression Statistics
Multiple R 0.5240514878
R Square 0.2746299619
Adjusted R Square 0.0811979517
Standard Error 0.019401979
Observations 20

ANOVA
df SS MS F
Regression 4 0.002137822403 0.0005344556 5.4197751533
Residual 15 0.005646551846 0.0003764368
Total 19 0.007784374249

Coefficients Standard Error t Stat P-value

Intercept 0.0334151856 0.019145144307 1.7453608613 0.1013666223
CR 0.0076245182 0.005482720948 1.3906449525 0.1846214791
Levarage Ratio 0.1478440963 0.211526647199 0.6989383996 0.4952859797
Ratio of Premium to Total Assets -0.01455584 0.021369039735 -0.6811649243 0.5061477026
Ratio of Premium to Total loan -0.00058766 0.000293618475 -2.0014407289 0.0637746091

PROBABILITY OUTPUT

Percentile ROA
2.5 0.0027685563
7.5 0.0032670012
12.5 0.0035661406
17.5 0.0054076768
22.5 0.0054076768
27.5 0.0065453111
32.5 0.0067865756
37.5 0.0138905655
42.5 0.0170630551
47.5 0.0235624819
52.5 0.0324367543
57.5 0.0332055838
62.5 0.0341018789
67.5 0.0356614065
72.5 0.0410856452
77.5 0.0422743894
82.5 0.0425764328
87.5 0.0435624819
92.5 0.0564983975
97.5 0.0722436335
Significance F
0.0534643027

Lower 95% Upper 95% Lower 95.0% Upper 95.0%

-0.0073917234 0.0742220945 -0.0073917234 0.0742220945
-0.0040616248 0.0193106612 -0.0040616248 0.0193106612
-0.3030142777 0.5987024702 -0.3030142777 0.5987024702
-0.0601028702 0.0309911895 -0.0601028702 0.0309911895
-0.0012134929 3.817299E-05 -0.0012134929 3.817299E-05

Normal Probability Plot

0.08
0.06
0.04
ROA

0.02
0
0 20 40 60 80 100 120
Sample Percentile
ty Plot

80 100 120
le
 ROA ROE CR Levarage Ratio
ROA 1
ROE 0.161416 1
CR 0.255546 0.231478 1
Levarage Ratio 0.10142 0.271068 -0.168643 1
Ratio of Premium to Total Assets 0.161248 -0.043186 -0.473433 0.276923945372
Ratio of Premium to Total loan -0.376993 0.291031 -0.048326 0.041657853784
Ratio of Premium to Total Assets Ratio of Premium to Total loan

1
-0.0588388372584621 1
 ROA ROE

Mean 0.0260955822 Mean 0.0747910991

Standard Error 0.0045260574 Standard Error 0.0088487994
Median 0.0279996181 Median 0.0769633552
Mode 0.0054076768 Mode 0.0769633552
Standard Deviation 0.0202411439 Standard Deviation 0.0395730339
Sample Variance 0.0004097039 Sample Variance 0.001566025
Kurtosis -0.4414947962 Kurtosis -0.85667487
Skewness 0.5275844344 Skewness -0.4220582456
Range 0.0694750771 Range 0.1307623422
Minimum 0.0027685563 Minimum 0.0034765654
Maximum 0.0722436335 Maximum 0.1342389077
Sum 0.5219116448 Sum 1.4958219812
Count 20 Count 20
Confidence Level(95.0%) 0.0094731469 Confidence Level(95.0%) 0.0185207499
 CR Levarage Ratio

Mean 1.8044399681 Mean 0.026517119

Standard Error 0.1711878582 Standard Error 0.0045195614
Median 1.5742241691 Median 0.0216666491
Mode 1.4750632876 Mode 0.0170630551
Standard Deviation 0.7655753759 Standard Deviation 0.0202120928
Sample Variance 0.5861056561 Sample Variance 0.0004085287
Kurtosis 4.4307279696 Kurtosis 2.8892088775
Skewness 1.8140671664 Skewness 1.7234676513
Range 3.3562068447 Range 0.078741499
Minimum 0.871425833 Minimum 0.0002309487
Maximum 4.2276326777 Maximum 0.0789724477
Sum 36.088799363 Sum 0.5303423803
Count 20 Count 20
Confidence Level(95.0%) 0.3583003043 Confidence Level(95.0%) 0.0094595506
 Ratio of Premium to Total Assets Ratio of Premium to Total loan

Mean 0.3818574104 Mean 27.387378191

Standard Error 0.0331692322 Standard Error 3.5573760705
Median 0.3762064875 Median 22.131570955
Mode #N/A Mode #N/A
Standard Deviation 0.148337316 Standard Deviation 15.90906943
Sample Variance 0.0220039593 Sample Variance 253.09849014
Kurtosis -0.2116572408 Kurtosis -0.7900015775
Skewness 0.0318743271 Skewness 0.6168607298
Range 0.531182915 Range 49.913557904
Minimum 0.123654738 Minimum 8.098763546
Maximum 0.654837653 Maximum 58.01232145
Sum 7.6371482079 Sum 547.74756382
Count 20 Count 20
Confidence Level(95.0%) 0.0694240007 Confidence Level(95.0%) 7.4456736699
 ROA ROE

Mean 0.0436456403 Mean 0.1122200073

Standard Error 0.0146949118 Standard Error 0.0010859321
Median 0.0493863935 Median 0.11273843
Mode #N/A Mode #N/A
Standard Deviation 0.0293898236 Standard Deviation 0.0021718641
Sample Variance 0.0008637617 Sample Variance 4.7169938E-06
Kurtosis 1.1389878042 Kurtosis 2.2149452845
Skewness -1.0208595777 Skewness -1.2925778277
Range 0.0686774928 Range 0.0050840336
Minimum 0.0035661406 Minimum 0.1091595679
Maximum 0.0722436335 Maximum 0.1142436015
Sum 0.174582561 Sum 0.4488800294
Count 4 Count 4
Confidence Level(95.0%) 0.0467657678 Confidence Level(95.0%) 0.0034559205
 CR Levarage Ratio

Mean 2.3124288027 Mean 0.030343

Standard Error 0.264294423 Standard Error 0.005768
Median 2.2940662883 Median 0.03151
Mode #N/A Mode #N/A
Standard Deviation 0.528588846 Standard Deviation 0.011536
Sample Variance 0.2794061681 Sample Variance 0.000133
Kurtosis -5.7831322356 Kurtosis 1.426772
Skewness 0.0312578511 Skewness -0.587498
Range 0.9811087171 Range 0.027931
Minimum 1.8402369585 Minimum 0.01521
Maximum 2.8213456756 Maximum 0.043141
Sum 9.2497152106 Sum 0.121371
Count 4 Count 4
Confidence Level(95.0%) 0.8411028098 Confidence Level(95.0%) 0.018356
 Ratio of Premium to Total Assets Ratio of Premium to Total loan

Mean 0.3468682825 Mean 30.57942033

Standard Error 0.0672376478 Standard Error 9.2990309037
Median 0.3727633653 Median 27.09450867
Mode #N/A Mode #N/A
Standard Deviation 0.1344752957 Standard Deviation 18.598061807
Sample Variance 0.0180836051 Sample Variance 345.88790299
Kurtosis 1.9073828094 Kurtosis 1.6645567446
Skewness -1.0753948528 Skewness 1.0325335436
Range 0.319473897 Range 44.06891132
Minimum 0.1612362511 Minimum 12.02987633
Maximum 0.4807101481 Maximum 56.09878765
Sum 1.3874731299 Sum 122.31768132
Count 4 Count 4
Confidence Level(95.0%) 0.2139802039 Confidence Level(95.0%) 29.593666538
 ROA ROE CR Levarage
Ratio ofRatio
Premium
Ratio of
to Premium
Total Assets
to Total loan
ROA 1
ROE 0.161416 1
CR 0.255546 0.231478 1
Levarage R 0.10142 0.271068 -0.168643 1
Ratio of Pr 0.161248 -0.043186 -0.473433 0.276924 1
Ratio of Pr -0.376993 0.291031 -0.048326 0.041658 -0.058839 1
 ROA ROE CR Levarage Ratio
Ratio of Premium to Total
Ratio
Assets
of Premium to Total lo

Mean 0.026096 Mean 0.074791 Mean 1.80444 Mean 0.026517 Mean 0.381857
Standard E 0.004526 Standard E 0.008849 Standard E 0.171188 Standard E 0.00452 Standard E 0.033169
Median 0.028 Median 0.076963 Median 1.574224 Median 0.021667 Median 0.376206
Mode 0.005408 Mode 0.076963 Mode 1.475063 Mode 0.017063 Mode #N/A
Standard D 0.020241 Standard D 0.039573 Standard D 0.765575 Standard D 0.020212 Standard D 0.148337
Sample Var 0.00041 Sample Var 0.001566 Sample Var 0.586106 Sample Var 0.000409 Sample Var 0.022004
Kurtosis -0.441495 Kurtosis -0.856675 Kurtosis 4.430728 Kurtosis 2.889209 Kurtosis -0.211657
Skewness 0.527584 Skewness -0.422058 Skewness 1.814067 Skewness 1.723468 Skewness 0.031874
Range 0.069475 Range 0.130762 Range 3.356207 Range 0.078741 Range 0.531183
Minimum 0.002769 Minimum 0.003477 Minimum 0.871426 Minimum 0.000231 Minimum 0.123655
Maximum 0.072244 Maximum 0.134239 Maximum 4.227633 Maximum 0.078972 Maximum 0.654838
Sum 0.521912 Sum 1.495822 Sum 36.0888 Sum 0.530342 Sum 7.637148
Count 20 Count 20 Count 20 Count 20 Count 20
Ratio of Premium to Total loan

Mean 27.38738
Standard E 3.557376
Median 22.13157
Mode #N/A
Standard D 15.90907
Sample Var 253.0985
Kurtosis -0.790002
Skewness 0.616861
Range 49.91356
Minimum 8.098764
Maximum 58.01232
Sum 547.7476
Count 20
Year Company ROA ROE CR
2017/18 Citizen Life Insurance Limited. 0.0035661406 0.1124625366 2.8213456756
2018/19 Citizen Life Insurance Limited. 0.0722436335 0.1091595679 2.715719356
2019/20 Citizen Life Insurance Limited. 0.0564983975 0.1142436015 1.8402369585
2020/21 Citizen Life Insurance Limited. 0.0422743894 0.1130143234 1.8724132205
2021/22 Citizen Life Insurance Limited. 0.0356614065 0.1246259257 1.9113553912
2017/18 Prabhu Life Insurance Compaly Limited. 0.0235624819 0.0769633552 1.4750632876
2018/19 Prabhu Life Insurance Compaly Limited. 0.0332055838 0.0231245673 1.5733850507
2019/20 Prabhu Life Insurance Compaly Limited. 0.0410856452 0.0532471123 4.2276326777
2020/21 Prabhu Life Insurance Compaly Limited. 0.0435624819 0.0869633552 1.5750632876
2021/22 Prabhu Life Insurance Compaly Limited. 0.0341018789 0.063688931 1.461603182
2017/18 IME Life Insurance Company Limited 0.0170630551 0.0769633552 1.4750632876
2018/19 IME Life Insurance Company Limited 0.0054076768 0.0876907654 1.2432768544
2019/20 IME Life Insurance Company Limited 0.0425764328 0.0453543218 1.2345673214
2020/21 IME Life Insurance Company Limited 0.0027685563 0.0656765325 1.9878093227
2021/22 IME Life Insurance Company Limited 0.0067865756 0.0127667421 2.0965743569
2017/18 Sun Nepal Life Insurance Company Limited 0.0054076768 0.0769633552 1.4750632876
2018/19 Sun Nepal Life Insurance Company Limited 0.0138905655 0.1342389077 2.1097908244
2019/20 Sun Nepal Life Insurance Company Limited 0.0032670012 0.102654671 1.0126577865
2020/21 Sun Nepal Life Insurance Company Limited 0.0324367543 0.0034765654 0.871425833
2021/22 Sun Nepal Life Insurance Company Limited 0.0065453111 0.0125434891 1.1087524008
Levarage Ratio Ratio of Premium to Total Assets Ratio of Premium to Total loan
0.0328755946 0.16123625109521 56.09878765
0.01521003315 0.35638031400337 30.09873897
0.03014439529 0.389146416677761 24.09027837
0.04314069775 0.480710148073907 12.02987633
0.03703077599 0.175645346 10.01232453
0.02706305511 0.123654738 40.127638475
0.020143266 0.387654278 20.02973648
0.00023094872 0.183647758 15.02983746
0.07897244767 0.654763847 10.019276354
0.01706305511 0.364758697 8.098763546
0.07696335515 0.432736485 50.91876253
0.01432654213 0.453678364 40.09123453
0.01675890543 0.654837653 35.09287364
0.01123489754 0.276565438 20.02912321
0.02333238909 0.354676543 12.10912321
0.01706305511 0.363874658 58.01232145
0.02319003213 0.543673546 40.54132456
0.01214332109 0.465376485 30.132415243
0.01002560091 0.465374859 20.17286354
0.02343001232 0.348756383 15.01226374
 CLIL PLICL ILICL

Mean 0.0420487935 Mean 0.0351036144 Mean 0.0149204593

Standard Error 0.0114940933 Standard Error 0.003501006 Standard Error 0.0073272281
Median 0.0422743894 Median 0.0341018789 Median 0.0067865756
Mode #N/A Mode #N/A Mode #N/A
Standard Deviation 0.0257015738 Standard Deviation 0.0078284875 Standard Deviation 0.0163841801
Sample Variance 0.0006605709 Sample Variance 6.1285216E-05 Sample Variance 0.0002684414
Kurtosis 0.7933633923 Kurtosis 0.0393719083 Kurtosis 2.7442866339
Skewness -0.65536087 Skewness -0.6303168172 Skewness 1.702323886
Range 0.0686774928 Range 0.02 Range 0.0398078764
Minimum 0.0035661406 Minimum 0.0235624819 Minimum 0.0027685563
Maximum 0.0722436335 Maximum 0.0435624819 Maximum 0.0425764328
Sum 0.2102439675 Sum 0.1755180718 Sum 0.0746022966
Count 5 Count 5 Count 5
 SLICL

Mean 0.0123094618
Standard Error 0.0053396346
Median 0.0065453111
Mode #N/A
Standard Deviation 0.011939786
Sample Variance 0.0001425585
Kurtosis 2.71310876
Skewness 1.6885901886
Range 0.0291697531
Minimum 0.0032670012
Maximum 0.0324367543
Sum 0.061547309
Count 5
 CLIL PLICL ILICL SLICL

Mean 0.114701 Mean 0.060797 Mean 0.05769 Mean 0.065975

Standard E 0.00262 Standard E 0.011024 Standard E 0.013239 Standard E 0.025384
Median 0.113014 Median 0.063689 Median 0.065677 Median 0.076963
Mode #N/A Mode #N/A Mode #N/A Mode #N/A
Standard D 0.005858 Standard D 0.024651 Standard D 0.029604 Standard D 0.056761
Sample Var3.432E-05 Sample Var 0.000608 Sample Var 0.000876 Sample Var 0.003222
Kurtosis 3.333255 Kurtosis 0.648266 Kurtosis 0.215659 Kurtosis -2.346256
Skewness 1.63992 Skewness -0.882741 Skewness -0.929378 Skewness -0.063565
Range 0.015466 Range 0.063839 Range 0.074924 Range 0.130762
Minimum 0.10916 Minimum 0.023125 Minimum 0.012767 Minimum 0.003477
Maximum 0.124626 Maximum 0.086963 Maximum 0.087691 Maximum 0.134239
Sum 0.573506 Sum 0.303987 Sum 0.288452 Sum 0.329877
Count 5 Count 5 Count 5 Count 5
 CLIL PLICL ILICL SLICL

Mean 2.232214 Mean 2.062549 Mean 1.607458 Mean 1.315538

Standard E 0.219876 Standard E 0.541793 Standard E 0.183454 Standard E 0.222263
Median 1.911355 Median 1.573385 Median 1.475063 Median 1.108752
Mode #N/A Mode #N/A Mode #N/A Mode #N/A
Standard D 0.491657 Standard D 1.211485 Standard D 0.410215 Standard D 0.496996
Sample Var 0.241727 Sample Var 1.467697 Sample Var 0.168276 Sample Var 0.247005
Kurtosis -3.16362 Kurtosis 4.961551 Kurtosis -2.906169 Kurtosis 1.173503
Skewness 0.622894 Skewness 2.225307 Skewness 0.41991 Skewness 1.292771
Range 0.981109 Range 2.766029 Range 0.862007 Range 1.238365
Minimum 1.840237 Minimum 1.461603 Minimum 1.234567 Minimum 0.871426
Maximum 2.821346 Maximum 4.227633 Maximum 2.096574 Maximum 2.109791
Sum 11.16107 Sum 10.31275 Sum 8.037291 Sum 6.57769
Count 5 Count 5 Count 5 Count 5
 CLIL PLICL ILICL SLICL

Mean 0.03168 Mean 0.028695 Mean 0.028523 Mean 0.01717

Standard E 0.004664 Standard E 0.013321 Standard E 0.012272 Standard E 0.002755
Median 0.032876 Median 0.020143 Median 0.016759 Median 0.017063
Mode #N/A Mode #N/A Mode #N/A Mode #N/A
Standard D 0.010429 Standard D 0.029787 Standard D 0.027442 Standard D 0.006159
Sample Var 0.000109 Sample Var 0.000887 Sample Var 0.000753 Sample Var3.794E-05
Kurtosis 1.687295 Kurtosis 3.225796 Kurtosis 4.466319 Kurtosis -2.708279
Skewness -1.032834 Skewness 1.605394 Skewness 2.09421 Skewness -0.050602
Range 0.027931 Range 0.078741 Range 0.065728 Range 0.013404
Minimum 0.01521 Minimum 0.000231 Minimum 0.011235 Minimum 0.010026
Maximum 0.043141 Maximum 0.078972 Maximum 0.076963 Maximum 0.02343
Sum 0.158401 Sum 0.143473 Sum 0.142616 Sum 0.085852
Count 5 Count 5 Count 5 Count 5
 CLIL PLICL ILICL SLICL

Mean 0.312624 Mean 0.342896 Mean 0.434499 Mean 0.437411

Standard E 0.062332 Standard E 0.093051 Standard E 0.063338 Standard E 0.036141
Median 0.35638 Median 0.364759 Median 0.432736 Median 0.465375
Mode #N/A Mode #N/A Mode #N/A Mode #N/A
Standard D 0.139378 Standard D 0.208068 Standard D 0.141629 Standard D 0.080813
Sample Var 0.019426 Sample Var 0.043292 Sample Var 0.020059 Sample Var 0.006531
Kurtosis -2.32434 Kurtosis 0.281796 Kurtosis 1.382075 Kurtosis -1.559835
Skewness -0.116775 Skewness 0.73345 Skewness 0.917611 Skewness 0.117762
Range 0.319474 Range 0.531109 Range 0.378272 Range 0.194917
Minimum 0.161236 Minimum 0.123655 Minimum 0.276565 Minimum 0.348756
Maximum 0.48071 Maximum 0.654764 Maximum 0.654838 Maximum 0.543674
Sum 1.563118 Sum 1.714479 Sum 2.172494 Sum 2.187056
Count 5 Count 5 Count 5 Count 5
 CLIL PLICL ILICL SLICL

Mean 26.466 Mean 18.66105 Mean 31.64822 Mean 32.77424

Standard E 8.294782 Standard E 5.753762 Standard E 6.968801 Standard E 7.676425
Median 24.09028 Median 15.02984 Median 35.09287 Median 30.13242
Mode #N/A Mode #N/A Mode #N/A Mode #N/A
Standard D 18.5477 Standard D 12.8658 Standard D 15.58271 Standard D 17.16501
Sample Var 344.017 Sample Var 165.5289 Sample Var 242.8209 Sample Var 294.6375
Kurtosis 1.379054 Kurtosis 2.517885 Kurtosis -1.489344 Kurtosis -0.308667
Skewness 1.214089 Skewness 1.569709 Skewness -0.135366 Skewness 0.734978
Range 46.08646 Range 32.02887 Range 38.80964 Range 43.00006
Minimum 10.01232 Minimum 8.098764 Minimum 12.10912 Minimum 15.01226
Maximum 56.09879 Maximum 40.12764 Maximum 50.91876 Maximum 58.01232
Sum 132.33 Sum 93.30525 Sum 158.2411 Sum 163.8712
Count 5 Count 5 Count 5 Count 5
Year CLIL PLICL ILICL SLICL
2017/18 0.003566 0.023562 0.017063 0.005408
2018/19 0.072244 0.033206 0.005408 0.013891 0.16
2019/20 0.056498 0.041086 0.042576 0.003267 0.14
2020/21 0.042274 0.043562 0.002769 0.032437 0.12
2021/22 0.035661 0.034102 0.006787 0.006545 0.1
Mean 0.042049 0.035104 0.01492 0.012309
0.08
S.D 0.025702 0.007828 0.016384 0.01194
0.06
0.04
Year CLIL PLICL ILICL SLICL 0.02
2017/18 0.112463 0.076963 0.076963 0.076963 0
2018/19 0.10916 0.023125 0.087691 0.134239 2017/ 2018/ 2019/ 2020/ 2021/ Mean
18 19 20 21 22
2019/20 0.114244 0.053247 0.045354 0.102655
2020/21 0.113014 0.086963 0.065677 0.003477
2021/22 0.124626 0.063689 0.012767 0.012543
Mean 0.114701 0.060797 0.05769 0.065975 4
S.D 0.005858 0.024651 0.029604 0.056761 3
2
Year CLIL PLICL ILICL SLICL
2017/18 2.821346 1.475063 1.475063 1.475063 1
2018/19 2.715719 1.573385 1.243277 2.109791 0
2019/20 1.840237 4.227633 1.234567 1.012658
2020/21 1.872413 1.575063 1.987809 0.871426
2021/22 1.911355 1.461603 2.096574 1.108752
Mean 2.232214 2.062549 1.607458 1.315538
S.D 0.491657 1.211485 0.410215 0.496996 0.09
0.08
0.07
Year CLIL PLICL ILICL SLICL 0.06
2017/18 0.032876 0.027063 0.076963 0.017063 0.05
CLI
2018/19 0.01521 0.020143 0.014327 0.02319 0.04 PLI
2019/20 0.030144 0.000231 0.016759 0.012143 0.03 ILIC
2020/21 0.043141 0.078972 0.011235 0.010026 0.02 SLIC
2021/22 0.037031 0.017063 0.023332 0.02343 0.01
Mean 0.03168 0.028695 0.028523 0.01717 0
8 9 0 1 2 n
S.D 0.010429 0.029787 0.027442 0.006159 7 /1 8/1 9/2 0/2 1/2 ea S.D
1 1 1 2 2 M
20 20 20 20 20

0.7
Year CLIL PLICL ILICL SLICL
0.6
2017/18 0.161236 0.123655 0.432736 0.363875
0.5
2018/19 0.35638 0.387654 0.453678 0.543674
0.4
2019/20 0.389146 0.183648 0.654838 0.465376
0.3
0.2
0.1
0
2017/ 2018/ 2019/ 2020/ 2021/ Mean S.D
 0.6
0.5
0.4
0.3
2020/21 0.48071 0.654764 0.276565 0.465375 0.2
2021/22 0.175645 0.364759 0.354677 0.348756 0.1
Mean 0.312624 0.342896 0.434499 0.437411 0
S.D 0.139378 0.208068 0.141629 0.080813 2017/ 2018/ 2019/ 2020/ 2021/ Mean S.D
18 19 20 21 22

70
60
Year CLIL PLICL ILICL SLICL
50
2017/18 56.09879 40.12764 50.91876 58.01232
2018/19 30.09874 20.02974 40.09123 40.54132 40
2019/20 24.09028 15.02984 35.09287 30.13242 30
2020/21 12.02988 10.01928 20.02912 20.17286 20
2021/22 10.01232 8.098764 12.10912 15.01226 10
Mean 26.466 18.66105 31.64822 32.77424
0
S.D 18.5477 12.8658 15.58271 17.16501
8 9 0 1 2 n
7 /1 8 /1 9 /2 0 /2 1 /2 ea
M
2 01 2 01 2 01 2 02 2 02
 0.08
0.07
0.06
0.05
CLIL
CLIL 0.04 PLICL
PLICL 0.03 ILICL
ILICL 0.02 SLICL
SLICL 0.01
0
2017/ 2018/ 2019/ 2020/ 2021/ Mean S.D
18 19 20 21 22
018/ 2019/ 2020/ 2021/ Mean S.D
19 20 21 22

CLIL
PLICL
ILICL
SLICL

CLIL
PLICL
ILICL
SLICL

21 /2
2
ea
n
S.D
2 1 M
20

CLIL
PLICL
ILICL
SLICL

2020/ 2021/ Mean S.D

 CLIL
PLICL
ILICL
SLICL

2020/ 2021/ Mean S.D

21 22

CLIL
PLICL
ILICL
SLICL

0 1 2 n
9 /2 0 /2 1 /2 ea S.D
M
01 2 02 2 02
 CLIL
PLICL
ILICL
SLICL

S.D