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QUESTION TWO (20 MARKS) Selamat Islamic Bank Berhad (SIBB) just announced its financial report for the year ended 2016. Table below is a summary of CIBB's financial report. (a) Items RM (000) Income Statement Operating Revenue 3,662,444 Net Income 1,540,333 Expenses 700,343 Profit after tax and zakat 543,443 Statement of Financial Position Current Asset Current Liability - Demand deposit Total Debt Total Assets Total Equity Capital 4,332,300 10,635,054 42,091,092 45,620,442 3,729,590 Evaluate SIBB's performance based on the following financial ratios and explain what each ratio means. i. The capability of management in converting assets into net earnings. (3 marks) ii. The effectiveness of management to control cost, expenses and service price (3 marks) ii. The efficiency in cost management where the bank is able to make lower/higher profit with a given expense (3 marks) iv. Ability of the bank to meet current liability i.e. demand deposit with the current asset (3 marks) V. The financial strength of a bank to pay its debtor (3 marks) (b) Given a formula for Return on Equity (ROE) as below, evaluate the SIBB's financial efficiency ROE = Net Income X Total operating revenue X Total assets Total operating revenue Total assets Total equity capital