| Variable code | variable name | Calculation method | |
| Explained Variable | PTA | Pretax profit | From the income statements |
| TC | Total cost | Operating expenses = operating taxes and additional + business management fees + assets devaluation + other business costs | |
| Input indicators | w1 | Loanable funds price | Bank interest expense/total interest-bearing liabilities, total interest-bearing liabilities include bank deposits, interbank and other financial institutions deposit and withdrawals, debt securities, and repurchase agreement |
| w2 | Labor price | Staff cost/staff number | |
| w3 | Fixed assets price | Depreciation accrued this year/the net value of fixed assets | |
| Output indicators | y1 | Total loan | Short-term, medium-term and long-term loans and other loans, after deduction of loan loss reserves |
| y2 | Interest income | Interest income from the loans, deposits with interbank and central bank, lending funds and buying securities and return sale | |
| y3 | Non-interest income | Including fees and commissions net income, other business income, investment income, etc | |
| Risk factor | R | Loan loss reserves | The balance of loan loss reserve |