2. Sluggish loan ratio = average balance of sluggish loans at the end of the month ÷ average balance of various loans at the end of the month × 100%.
3. Non-performing loan ratio = average balance of non-performing loans at the end of the month ÷ average balance of various loans at the end of the month × 100%.
(2) Operating results indicators
1. Profit rate of assets = total profit (average balance of assets) × 100%
2. Return on investment = return on investment ÷ average balance of investment × 100%
3. Expense rate = operating expenses ÷ (operating income-interest income between financial institutions) × 100%.
4. Paid-in interest rate = (interest income-net increase of interest receivable in the table) ÷ average loan balance × 100%* total deposits+various fees and service charges = bank profit.