Please note that all the ratios refer to the year 2022 1. Return on Assets (ROA) A. Calculate the ROA ratios for Bank X and Bank Y and what can you conclude from the results obtained. B. By decomposing the ratio into its major components, clearly show the sources of the difference in the two banks ROA ratios. Please summarise the results in a table format. C. What is(are) the major contributor(s) for the difference in the performance of the two banks as revealed by the results in (B) above?