b) The following data is extracted from ABC Bank financial statements for the financial year ended 31 December 2021, equity $600 million, interest expense $190 million, provision for loan loss (P) $28 million, noninterest income $25 million, noninterest expense $45 million and a tax rate is 33%. Calculate the minimum total interest income required to give a return on equity (ROE) of 14%. You must show the workings. [4 marks] c) 123 Bank reported an equity multiplier ratio of 3.75 at the end of year 2021. If the bank's total debt at the end of year 2021 was $20 million, how much of its assets were financed by equity? You must show the workings. [6 marks] d) Internationalisation (international expansion) brings numerous advantages to commercial banks, however, there are also some challenges/disadvantages which are also associated with such an expansion. Briefly state and discuss three different disadvantages for the international expansion of commercial banks. [15 marks]