So I think it is.
The above is the first operation ((granting loans/`month')-granting loans * (interest rate/12)) and then the following multiplication.
The following is the first operation (issuance loan * (interest rate/12)) * (bid amount/issuance loan)) and then the previous subtraction, so the result is different.
What's more, the formulas you get by disassembling the upper and lower formulas are not consistent. I don't know your business logic, but the following one has one more tenderMoney/issueLoan than the above one.