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How do the financial statements in Exhibit 1 , ratio analysis in Exhibit 3 , and performance benchmarks in Exhibit 2 provide insights into Bilal's

How do the financial statements in Exhibit

1,

ratio analysis in Exhibit

3,

and performance benchmarks in Exhibit

2

provide insights into Bilal's operating performance? How does the ROE decomposition in Case Exhibit

4

inform your analysis?

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