| Name | Variable | Definition |
| Fixed asset investment growth | FA | From the National Bureau of Statistics |
| Monetary growth | M2 | From the National Bureau of Statistics |
| Lending rate | LR | Numerical end of each year |
| HHI index | HHI | Square sum of deposits’ market share |
| Average total assets | ATS | Average of beginning and the end |
| The proportion of non-interest income | NII | Non-interest income/total income |
| Return on Total Assets | ROA | Total profit/average total assets |
| Loan-to-deposit Ratio | LDR | Loan/deposit |
| Cost to income ratio | CIR | Cost/income |