Variable

Definition

Denote as

Expected sign

Profit

Prof

+

Asset

The physical and financial “property” of a bank, what a bank owns

Ass

Interbank loan

Sum of money that banks borrow or lends among each others

InLn

+

Customer loan

The amount of money the customers borrow from the banks

CuLn

+

Interbank Debt:

Amount that one bank owes the other banks

IDbt

Customer Debt:

The amount of money the Customers have in the Bank

Cubt

Risk

This determines the risk aptitude of a particular bank in making investments

Risk

+

Real GDP Growth

rgdp_gr

+

Saving Rate

SR

+

Share of Banks in the GDP

Sbgdp

+

GDP per Capita

Grat

+