Income statement (USD mn)	Current year	% Total income
Interest and similar income	13,113.0
Interest and similar expense	-10,181.0
Net interest income	2,932.0	9.1%
Net fees and commissions	16,225.0	50.6%
Net trading income	7,660.0	23.9%
Other operating income (including insurance, where applicable)	5,256.0	16.4%
Total income	32,073.0	100.0%
Insurance claims	0.0	0.0%
Total income, net of claims	32,073.0	100.0%
Operating expenses	-20,367.0
Operating profit\(loss)	11,706.0
Impartment charges	-574.0
Associate	0
Pre-tax profit	11,132.0
Tax	-6,846.0
Profit for the year (Net profit)	4,286.0

income statement (USD mn)

Interest and similar income

Balance statement	Current year	Weight
Cash and central bank deposit	110,051	8.2%
Deposit with and loan and advances to bank	24,676	1.8%
Reverse repo	120,822	9.0%
Trading asset	506,836	37.9%
Derivatives	419,526	31.42%
Investment securities	60,112	4.5%
Loan to customers	65,933	4.9%
Associate	0	0.0%
Investment properties	0	0.0%
Other assets	17,008	0.0%
Property, plant and equipment	11,338	1.3%
Intangible assets	0	0.8%
Total assets	1,336,302	100.00%
Deposit from banks	22,902	1.7%
Derivatives liabilities	403,026	30.2%
Customer deposits	115,702	8.7%
Trading liabilities	414,398	31.0%
Euro commercial paper	46,922	3.5%
Borrowings	217,687	16.3%
Other liabilities	16,922	1.3%
Total liabilities	1,237,559	92.6%
Share capital and premium	67,996	5.1%
Other reserves	-60,772	- 4.5%
Retained earnings	91,519	6.8%
Capital notes	0	0.0%
Shareholders funds	98,743	0.30%
Non-controlling interest	0	0.0%
Total liabilities and equity Risk-weighted assets	1,336,302 617,646

1. Which of the following figure in JHI bank's income statement represents the line?
   1. 4,286.0
   2. 11,132.0
   3. 11,706.0
   4. 32,073.0

2. What is JHI bank's basic income diversty ratio, before impairment charges?
   1. 74.5%
   2. 90.9%
   3. 248.9%
   4. 261.8%

3. What is JHI bank's cost income ratio, before impairment charges?
   1. 36.5%.
   2. 63.5%
   3. 157.5%
   4. 274.0%

4. What is JHI bank's impairment cost ratio, as defined on the formula sheet provided?
   1. 0.043%
   2. 0.044%
   3. 0.633%
   4. 0.871%

5. What is JHI bank's return on equity?
   1. 0.3%
   2. 2.4%
   3. 3.2%
   4. 4.3%