Greedy Bank had the following operations in year 2021 (expressed in $million).

Electricity and water bills: 130

Dividends paid to shareholders: 15.2

Coupons from investment in corporate bonds: 410.9

Interest on customers' term deposits: 250.8

Petrol for the bank business cars: 2.6

Write off of loans with no existing lending provisions: 12.2

Interest on business loans to commercial companies: 405.8

Distribution on issued capital notes: 50.4

Taxes on profits: 12.4

Commission for customers' advice on retirement investments: 124.2

Charge for bad and doubtful debts: 84

Interest on interbank lending: 33.2

Fees for late repayment by customers on their credit card balances: 15

Salaries of bank employees: 87.6

Unrealized capital gains on held-to-maturity securities: +10

Realized capital gains on available-for-sale securities: -35

Repayment by borrowers of the amount borrowed from Greedy bank for their personal loans: 23

For future reference, the value recorded on the books for held-to-maturity securities at the beginning of 2021 is 2 (in $ million) and its market value at the end of 2021 is 12 (in $ million). The value recorded on the books for available-for-sale securities at the start of 2021 is 40 (in $ million) and its market value at the end of 2021 is 5 (in $ million).

Assume that mark-to-market standards apply to Greedy Bank and use the conventions of the course at all times.

(c) Calculate the retained profit (after tax). [Define the concepts used, list the composition of each category before applying numbers and show all the details of the calculations.]