Calculate the Gross Profit Margin, Net Profit Margin, and Return on Equity Ratio. from this income.

For the years ended 31 December 2020 2019 (SAR 0001 Notes ISAR '000) Income 17 17,377,963 16,962,583 Gross financing and investment income Return on customers, banks and financial institutions time investments 17 (464,946) (534,860) Net financing and investment income 17 16,913,017 16,427.723 18 2,659,680 Fee from banking services, net Exchange income, net Other operating income net 1,987,367 774,096 783,894 19 364,669 295,278 Total operating income 20,721,260 19,484,464 20 2,977,344 2,794,046 1,059,582 8 & 9 1,118,148 Expenses Salaries and employees related benefits Depreciation and Amortisation Other general and administrative expenses Operating expenses before credit impairment charge Impairment charge for financing and other financial assets, net 21 2,646,409 2,532,213 6,741,901 6,385,841 7 2,165,740 1,772,265 Total operating expenses 8,907,641 8,158,106 11,813,619 11,326,358 Income for the year before Zakat Zakat for the year Net income for the year 37 (1,218,071) (1.167,831) 10,595,548 10,158,527 Basic and diluted earnings per share in SAR) 22 4.24 4,06