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

2. From your dataset calculate Capital Adequacy ratio for the respective years.

b. Comment on the Capital Adequacy ratio for your bank

Year	Bank code	Bank name	Investment	Bad and Doutful debts	Total assets
2016	BOB	Bank of Baroda	551,485,000	-108,000	689,575,000
2017	BOB	Bank of Baroda	561,153,000	-608,000	741,455,000
2018	BOB	Bank of Baroda	589,579,000	-774,000	739,552,000
2019	BOB	Bank of Baroda	642,929,000	-1,948,000	755,823,000
2020	BOB	Bank of Baroda	716,481,000	-1,927,000	869,936,000
2021	BOB	Bank of Baroda	665,481,000	-11,660,000	914,703,000
2022	BOB	Bank of Baroda	680,116,000	-1,097,000	882,760,000
Year	Total capital	Loans	Capital Adequacy ratio	Deposits and borrowings	No of branches
2016	56,549,000	25,758,000	19.04%	624,368,000	8
2017	65,481,000	325,646,000	22.09%	662,306,000	8
2018	62,040,000	354,024,000	20.74%	659,472,000	8
2019	63,595,000	410,021,000	18.46%	681,268,000	8
2020	72,726,000	447,361,000	19.58%	777,483,000	8
2021	80,328,000	449,301,000	18.02%	806,476,000	8
2022	91,672,000	356,071,000	24.54%	777,584,000	8
Year	Fixed Assets	Income/Revenue	Total Exp	Staff Exp	Provisions for doubtful debts
2016	2,898,000	19,740,000	-8,116,000	-8,568,000	-2,806,000
2017	3,131,000	19,228,000	-8,537,000	-8,235,000	-3,050,000
2018	3,592,000	18,226,000	-9,747,000	-9,534,000	-3,378,000
2019	3,257,000	20,535,000	-9,590,000	-9,139,000	-3,632,000
2020	3,008,000	22,756,000	-11,104,000	-9,944,000	-4,639,000
2021	3,286,000	25,570,000	-19,001,000	-8,843,000	-5,436,000
2022	3,037,000	25,804,000	-6,398,000	-8,997,000	-6,420,000
Year	Total Provisions	Net profit before tax	annual interest expenses	Interest income	Fee and commission revenue
2016	-8,676,000	11,624,000	-9,042,000	24,356,000	3,310,000
2017	-8,843,000	10,691,000	-9,741,000	24,625,000	3,321,000
2018	-10,308,000	8,479,000	-12,085,000	25,487,000	3,542,000
2019	-11,087,000	10,945,000	-13,556,000	28,917,000	3,859,000
2020	-11,871,000	11,652,000	-20,068,000	37,553,000	3,950,000
2021	-20,503,000	6,569,000	-16,913,000	35,709,000	5,533,000
2022	-10,094,000	19,406,000	-11,190,000	31,865,000	4,024,000
	Year	Fee and commission expense	Net profit after tax	Date on which the bank was established	Date on which a trnasition occurred that is takeover or merger
	2016	-	8,938,000	5th July 1961	None
	2017	-	8,878,000	5th July 1961	None
	2018	-	5,796,000	5th July 1961	None
	2019	-	8,770,000	5th July 1961	None
	2020	-	9,002,000	5th July 1961	None
	2021	-	3,329,000	5th July 1961	None
	2022	-	16,211,000	5th July 1961	None