please if possible answer both questions. I'll be giving a like to whomever helps me out. thanks

11. A contingent item that may eventually be placed on the right-hand side of the balance sheet is an) (4 points) A) loan commitment. B) off-balance-sheet liability C) checkable deposits. D) net charge-off. 12. ABC Bank has a profit margin of 15 percent. ABC's total operating income to total asset is 0.075 and interest income ratio is 6%. ABC also has $7 in assets per dollar in equity capital. ABC's return on equity is (4 points) A) 7.88% B) 6,30% C) 14.18% D) 15.03%