please solve it step by step ( no excel )

First Bank. Required: 1. Based on the CART Model, you have been requested by Abu Dhabi First Bank to give a professional opinion on the credit worthiness of Bath enterprise (Gradual Approach). 2. Produce a brief analytical report on the degree of deviation from CART ratios and your professional idea on remedial actions. 3. What would be the case if the company decided to keep the profit retention rate equals 250 percent of the DPR. 4.In what sense you could observe points of agreement between CART and Bennet models