Variable name | Variable | Definition |
Return on capital | ROE | Net profit/average equity |
Cost income ratio | CIR | Operating expenses/operating net income |
Non-interest income ratio | NIIR | (Operating income-interest income)/operating income |
Non-performing loan ratio | NPL | Non-performing loan balance/the balance of the loan |
Strategic investor shareholding | SI | Strategic investor’s shareholding ratio |
GDP growth rate | GGDP | GDP growth rate |
Asset scales | AS | The logarithm of the total assets of the bank |
Property rights system | PRS | State owned 1, non-state owned 0 |
Equity ratio | ER | Total liabilities/total owners’ equity |