For your allocated banking company do the following:

BRED Bank

1. Collect data from the key disclosure statement and fill in the excel sheet

Key Disclosure Statements - Reserve Bank of Fiji (rbf.gov.fj).

1. Search the Bnk's website and provide a brief background of the bank:
   1. What the bank's operation is?
   2. What products and services the bank offers?
   3. A brief history of the bank
   4. Corporate governance information (if given)

1. From your dataset calculate return on assets (ROA) for each year, with a trend analysis, and comment on the firm performance

1. From your dataset calculate return on equity (ROE) for each year, with a trend analysis, and comment on the firm performance

1. From your dataset calculate Net Interest Margin ((Interest Income - Interest Expenses) /Total assets).
   1. Comment on the Net interest margin of the bank

1. From your dataset calculate Capital Adequacy ratio for the respective years.
   1. Comment on the Capital Adequacy ratio for your bank

1. From your dataset calculate Efficiency ratio for the respective years (Non-Interest Expense / Revenue)
   1. Comment on theEfficiency ratio for your company
2. From your dataset calculate Provision for credit losses ratio for the respective years (Provision for credit losses / Net loans and acceptances)
   1. Comment on theProvision for credit losses ratio for your company

1. For all the ratios above, (iii - viii) compare the ratios in the pre-covid period (2016 to 2020) and the post-covid period (2021 - 2022), highlight any significant differences that may be due to the impact of COVID-19.