On the basis of following data calculate the net profit and than calculate and comment the bank's efficiency Bank's assets: 4 200 000 Bank's equity: 500 000 Banking activity result: 232 000 Write-offs to provisions (risk reserves): 107 000 Other operating income: 7 700 Other operating costs (expenses): 4500 Costs od bank's activity: 74 300 Amortisation/depreciation: 16 000 Released provisions: 28 700 Extraordinary incomes: 126 Tax: 12600