From the given Bank of China financial statement and Balance sheet, what problem can we see? and possible solution to the problem.

Please see attached file.

\fBalance sheet Unit: 10000 yuan 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 Asset account Cash and deposits with 240,780,800.00 230,302,000.00 234,918,800.00 the central bank 215,566,500.00 214,371,600.00 Deposits with banks and other financial 72,432,000.00 50,056,000.00 36,317,600.00 48 505,700.00 58,243,400.00 institutions Loans and advances 1,384,830,400.00 1,274,342,500.00 1,151,576,400.00 1,064,430,400.00 973,564,600.00 Available for sale 185,722,200.00 160,983,000.00 financial assets Held to maturity 208,986,400.00 184,304,300.00 investment total assets 2,440,265,900.00 2,276,974,400.00 2,126,727,500.00 1,946,742,400.00 1,814,888,900.00 Liability account Borrowing from the 103,579,700.00 86,709,400.00 central bank 88 781, 100.00 84,627,700.00 90,752,100.00 Deposits from banks and other financial 191 700,300.00 166 804,600.00 173,120,900.00 142 526 200.00 142,052,700.00 institutions Financial Assets Sold 17,741,000.00 for Repurchase 12,720,200.00 28,501 800.00 25,840,000.00 11 637,500.00 Deposit taking 1,687,917,100.00 1,581,754,800.00 1,488,359,600.00 1,365,792,400.00 1,293,974,800.00 Total liabilities 2,223,982,200.00 2,079 304,800.00 1 954,187 800.00 1,789,074,500.00 1,666,179,700.00 Shareholders' equity account paid in capital (or share 29,438,800.00 29,438,800.00 29,438,800.00 29,438,800.00 29,438,800.00 General risk reserve 26,798,100.00 25,010,000.00 23 152,500.00 20,781 700.00 19,346,200.00 Undistributed profit 86 484,800.00 77 694,000.00 68,640,500.00 64,655,800.00 56,033,900.00 Owner's equity 216,283,700.00 197,669,600.00 172,539,700.00 157,667,900.00 148,709,200.00 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 Net cash flow from operating activities 7302800 48426600 66235800 40613600 18208100 Net cash flow from investment activities -1706600 -16567800 -18249300 -50509000 -24638600 Net cash flow from financing activities 12661700 29311100 22933700 6558400 -171300