Junior Bank has the following data for the Year 2019 Income statement 2019 Balance Sheet (Selected Assets) 2010 Interest Income 400000 Cash and balances with central banks 100000 Interest Expense 200000 Investments at fair falue 2000000 Due from banks and financial institutions 150000 Fee and commission income 100000 Reverse repurchase agreements 200000 Fee and commission expenso 110000 derivative financial instruments 300000 loans and advances 200000 Net foreign exchange again 20000 not-trading investments 150000 net gain on investments and derivatives 10000 investments in properties 500000 Other operating income 50000 property equipment 250000 intangibles 100000 other assets 500000 What will be the efficiency ratio for the Bank