3.2. This is the 2018 Balance Sheet of the Bank B with annually average figures + Assets Amount Interest (USD rate mil) (%) Liabilities & Equity Amount (USD mil) Interest rate (%) Cash and deposits due from banks 490 1.5 Demand deposit 8,970 1 3-month Treasury Bills 890 1.5 3-month bank deposits 6880 4.5 5-year fixed-rate Government Bonds 980 2.5 6-month corporate deposits 4,530 2.5 12-month floating-rate corporate loans 15,250 8.5 Non-deposit borrowings 6790 8.5 10 year fixed-rate mortgage 8,950 11.5 loans Equity 1250 Fixed assets 1860 This Bank earned USD 275 mil in fees and commissions and USD 130 mil in securities gain; paid USD 960 mil in overhead costs: USD 850 mil in loan loss provision Corporate income tax rate is 15%. How much are: NIM, NNIM, ROA, ROE