According to the financial ratio of Bank A, summarize the bank's earnings announcement for the most recent quarter.

2021 2019 0.104 2018 0.106 0.098 2017 0.107 0.013 0.013 0.013 0.010 0.019 -0.007 0.013 2020 0.135 0.016 0.021 -0.014 0.007 0.025 -0.009 0.017 0.024 -0.010 0.014 0.026 Bank A ROE ROA Net Interest Margin Net Non-interest Margin Net Operating Margin Earnings Spread Net Profit Margin Asset Utilization Equity Multiplier Tax Management Efficiency Expense Control Efficiency Operating Efficieny 0.026 0.024 -0.011 0.013 0.025 0.249 0.050 8.315 0.022 0.276 0.024 0.399 0.281 0.253 0.052 0.035 0.039 0.047 9.999 8.636 8.003 8.002 0.778 2.124 1.414 0.792 2.062 0.734 2.392 0.645 0.787 2.034 0.678 0.925 2.048 0.812 0.696 2021 2019 0.104 2018 0.106 0.098 2017 0.107 0.013 0.013 0.013 0.010 0.019 -0.007 0.013 2020 0.135 0.016 0.021 -0.014 0.007 0.025 -0.009 0.017 0.024 -0.010 0.014 0.026 Bank A ROE ROA Net Interest Margin Net Non-interest Margin Net Operating Margin Earnings Spread Net Profit Margin Asset Utilization Equity Multiplier Tax Management Efficiency Expense Control Efficiency Operating Efficieny 0.026 0.024 -0.011 0.013 0.025 0.249 0.050 8.315 0.022 0.276 0.024 0.399 0.281 0.253 0.052 0.035 0.039 0.047 9.999 8.636 8.003 8.002 0.778 2.124 1.414 0.792 2.062 0.734 2.392 0.645 0.787 2.034 0.678 0.925 2.048 0.812 0.696