| 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 |