Q$\mathrm{.}3$: In the next graph, end$-$of$-$year return on assets $($ROA$)$ and return on equity $($ROE$)$ ratios drawn for the after$-$global crises period for the EU banking system are seen. Considering the trend of each ratio in the graph, answer the following separately:

a$.$ How can you explain the decreasing profitability of the banking system while there is no distinctive change in efficiency?

b$.$ If we want to use a special phrase for this situation, what is your suggestion?