How can you improve these bank's profitability, solvency and liquidity?

Gross Profit Margin Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 97.32450806 83.69790309 90.79195537 2019 96.84682457 75.56352424 81.56468877 2018 96.31726746 80.23849171 79.31540445 2017 126.4195926 79.93254508 82.13697502 2016 95.01229849 72.49181207 79.54121675 Net Profit Margin Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 60.97117366 48.0465474 37.17448563 2019 59.88785434 54.01442386 35.92555962 2018 74.83483542 56.59959687 41.05421696 2017 72.49601065 53.14396143 44.21745059 2016 69.14860258 45.70866136 45.64379333 Return on Assets Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 2.260023305 1.520535594 1.408089205 2019 2.644853435 2.107712724 1.446151591 2018 2.828569933 2.05136742 1.508104867 2017 2.658200715 1.824466613 1.481097011 2016 2.392015701 1.535935274 1.501176665 Return on Equity Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 18.23093287 10.63011291 12.56390836 2019 19.84410663 13.80789778 13.19488818 2018 21.31597641 12.82443384 14.177419 2017 16.35977725 10.21670175 12.33617783 2016 15.64282831 8.848864539 11.05101147 Long-Term Debl-to-Equity Ratio Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 0.297859298 0.434304891 0.750910287 2019 0.35688417 0.417185139 0.936443678 2018 0.300713561 0.392895392 0.705582533 2017 0.157604544 0.418391656 0.536906067 2016 0.120408386 0.375591483 0.455478052 Total Debt-to-Equity Ratio Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 7.066701271 5.991031944 7.922665067 2019 6.502913531 5.551128919 8.124139037 2018 6.53595524 5.25165132 8.400817751 2017 5.154455215 4.599829381 7.329081581 2016 5.539601018 4.76122229 6.361566249 2019 2018 2017 2016 2020 0.87603359 0.856959601 0.887925862 Bank Al Rajhi Bank Al Riyad Bank Al Bilad Debt Ratio 0.866718443 0.847354553 0.890400618 0.867302821 0.840042263 0.893626275 0.837516081 0.821423131 0.879938744 0.847085472 0.826425722 0.864159342 Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 8.066701271 6.991031944 8.922665067 2019 7.502913531 6.551128919 9.124139037 2018 7.53595524 6.25165132 9.400817751 2017 6.154455215 5.599829381 8.329081581 2016 6.539601018 5.76122229 7.361566249 Financial Aoverago 2018 Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 0.12396641 0.143040399 0.112074138 2019 0.133281557 0.152645447 0.109599382 0.132697179 0.159957737 0.106373725 2017 0.162483919 0.178576869 0.120061256 2016 0.152914528 0.173574278 0.135840658 Proprietary Ratio Curren ratio Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 1.149009681 0.460858296 1.207354417 2019 1.169256152 0.421978778 1.2138039 2018 1.163532635 0.423288226 1.191697677 2017 1.180738379 0.460448382 1.202511663 2016 1.164275903 0.429654513 1.196628306 Quick ratio Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 0.254966687 0.231824355 0.296247487 2019 0.375668655 0.165792673 0.338675387 2018 0.394079884 0.15468741 0.35234686 2017 0.342428374 0.1733276 0.359599199 2016 0.36503595 0.157061639 0.359888494 Cash ratio Bank Al Rajhi Bank Al Riyad Bank Al Bilad 2020 0.193234158 1.008175542 0.102978347 2019 0.226784852 1.001073572 0.176489136 2018 0.251109287 0.999927036 0.245079147 2017 0.211761344 1.03300517 0.259879043 2016 0.244141963 1.019735118 0.288631881