As is the most common use in other studies, we choose outputs to mean loans, other earning assets, and non-interest income: and inputs are interest expense for capital, deposits and non-interest expenses. The figures are in million of local currency, IDR. For example, the banks had output factor loan of IDR 3,607,999 million. The dispersion of this factor across the banks is 3,825,999 million. The variables are converted to index, so the magnitude does not matter in our tests.