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 depositsâ€™ 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 |