C. A simplified financial statement of JK Bank is given below: JK Bank Statement of Financial Position as at 31 December 2020 Assets RM 000 Liabilities and Equities RM'000 Cash and Short-term funds 11,000.00 Checkable deposits 28,900.00 Deposits with other banks 6,800.00 Non-transaction deposits 13,800.00 Securities 8,200.00 Deposits of other banks 4,400.00 Loans and advances 35,900.00 Bills and acceptance payable 2,450.00 Statutory deposits 11,350.00 Share capital 31,000.00 Money at call 6,600.00 Statutory reserve 7,300.00 Property and equipment 8,000.00 Total Assets 87,850.00 Total Liabilities and Equities 87,850.00 The net profit for the bank is RM7,500,000 (See next page PSF3023 Banking and Financial institutions 5 Industry average ratios: Cash and short-term funds to total assets Loans and advances to total assets Return on assets Return on equity 16% 37% 6% 22% REQUIRED: Calculate and analyse the relevant ratios above in comparison to the industry average