American Express Company, a major financial services corporation, reported its financial figures

for the year ending 2023. The company's total assets amounted to $400 billion, with total

liabilities of $250 billion. Its net income for the year stood at $40 billion, and the shareholders'

equity was $150 billion.

a) Determine the company's debt-to-assets ratio.

b) Calculate the company's debt-to-equity ratio.

c) Find out the return on assets (ROA) percentage.

d) Calculate the return on equity (ROE) percentage.