PLEASE HELP ME ANSWER THESE QUESTIONS WITH SOLUTION. THANK YOU.

Choose one of the major universal banks. Subject the banks financial statements to the financial ratios to evaluate the performance of the bank. Compare current year with prior year. Discuss the changes in the banks performance from current year to prior year. PROFITABILITY RATIOS Formula Return on Assets Net Profit / Average Total Assets Assets Return on Equity Net Profit / Average Total Equity Equity Earning Assets Yield Interest Income Earning Assets Interest Expense > Funding Cost Interest Bearing Liabilities Interest Spread Earnings Asset Yield minus Funding Cost Net Interest Income Net Interest Margin Earning Assets Non-Interest Expenses Cost to Income Total Operating Income Net Interest Income to Net Interest Income Total Operating Income Total Operating Income ASSET QUALITY RATIOS Formula Past Due Loans / Total Past Due Ratio Loan Portfolio Allowance for Credit Loan Loss Reserves to Losses / Total Loan Total Loan Portfolio Portfolio LIQUIDITY RATIOS AND Formula CAPITAL RATIOS Liquid Assets to Deposits Liquid Assets / Deposits Loans to Deposits Total Loans / Deposits Total Capital to Total Assets Total Capital / Total Assets Total Assets / Total Gearing / Leverage Capital Capital Adequacy Ratio (as BSP Calculation of September 2021)