Symbol | Variable | Definition or Measurement | Unit |
NDefault | Proportion of Corporate Client with Nearly No Default Risk | Credit Exposure to Corporate Client with Nearly No Default Risk/Total Corporate Credit Exposure | % |
LDefault | Proportion of Corporate Client with Low Default Risk | Credit Exposure to Corporate Client with Low Default Risk/Total Corporate Credit Exposure | % |
HDefault | Proportion of Corporate Client with High Default Risk | Credit Exposure to Corporate Client with High Default Risk/Total Corporate Credit Exposure | % |
Default | Proportion of Default Corporate Client | Credit Exposure to Default Corporate Client/Total Corporate Credit Exposure | % |
FinTech | Financial Technology | Score of Organizational Intellectualization from GYROSCOPE Report | - |
I | Information Asymmetry | Unsecured Loan/Total Loan | % |
E | Staff Efficiency | Total Cost/Total Revenue | % |
R | Relationship between Bank and Corporate Client | Non-interest Revenue/Total Revenue | % |
GDP | GDP Growth | The growth ratio of GDP in China | % |
TSF | Total Social Finance Growth | The growth ratio of total social financing in China | % |
NIM | Net Interest Margin of Commercial Banks | Net Interest Revenue/Average Balance of Interest-Earning Asset | % |
NPL | Nonperforming Loan Ratio | Nonperforming Loan/Total Loan | % |
CoreCA | Core Tier1 Capital Adequacy Ratio | Core Tier1 Capital/Risk-Weighted Asset | % |
CA | Capital Adequacy Ratio | Capital/Risk-Weighted Asset | % |