S. NO.

Code

Variable name

Definition

Input variables

1

IE

Interest expense

The sum of payment on fixed deposits, saving and demand deposits

2

OE

Operating Expense

Expenses like salary and benefits, administrative and general expenses, provision for doubtful debt, and other audit fees

3

TD

Total Deposit

The sum of demand, time, and saving deposit

Output variables

1

II

Interest income

The sum of interest on loans and advance, interest on deposits, and interest on treasury and NBE bills

2

NII

Non-interest income

Commission, fees, and charges on the letter of credit, on the letter of guarantee and local transfer, and other income

3

TL

Total loan

include real estate loan, commercial loan, industrial loan and consumer loan