In 2020, Bank Nizwa has 41 million of Income Before Tax, 25% of tax rate, 599 million of assets and 307 millions of liabilities. Calculate ROE for 2020? Select one: O a. 0.0351 Ob. 0.0118 O c 0.1053 O d. 0.0339 Bank Nizwa has 0.89 of Asset Utilization Ratio (AUR), 0.61 of Expense Ratio (ER), and 4.2 of Equity Multiplier. What is ROE for Bank Nizwa? Select one: O a. 5.700 O b. 1.176 Oc.-1.176 O d. 15.000