calculate the following wuth the steps

-non interest margin ratio

-net non-interest margin ratio

income statment:

INCOME
Income from financing										43,110
Income from investment in Sukuk										10,829
Total income from jointly financed assets										53,939
Net return on equity of investment account holders										-40,440
Groups share as Mudarib										27,223
Net return on equity of investment account holders										-13,217
Groups share of income from jointly financed assets (both as mudarib and invester)										40,722
Expense on placements from financail institution										-2,043
Expense on placements from non-financail institution and individuals										-779
Expense on borrowing from financail institution										-4,034
Fee and commission income, net										5,394
Income from investment securities										216
Income from investment in real estate										-556
Share of results of associates, net										86
Other income										4,372
Total income										43,378
EXPENSES
staff costs										12,588
Deprection										1,473
Other expenses										9,041
Total expenses										23,102
Profit before impairment allowance										20,276
Impairment allowance, net										-8,895
PROFIT FOR THE YEAR										11,381
BASIC AND DILUTED EARNINGS PER SHARE (fils)										10.83