Hi I am trying to calculate the Loan loss provision ratio. Could you please tell me the formula for the ratio and how I can find the pre-tax income, Loan loss provision, and net charge-off values In a Banks financial statements? For example this link below:

https://www.anz.com/content/dam/anzcom/shareholder/2022-anz-annual-report.pdf

I'm mostly confused about where to look and find values for the loan loss provision and Net charge-offs. Thank you