Please solve the capital adequacy ratio and tier one ratio can mentioned what is the min required by european bank and do they meet the requirement. Also the reason on why the net profit is negative on 2020 (might be due to covid) and the reason on the rebound in 2021.

Total Assets Total Net Worth Net Profit Return on Average Assets (%) Return on Average Equity (%) Equity to Assets (%) Capital Adequacy Ratio (%) Tier 1 CAR CET1 Ratio Gross NPL Ratio (%) LIR/NPL (%) Net NPL/Equity (%) Loans-to-Deposits Ratio (%) Net Loans-to-Total Assets 2019-12-31 2020-12-31 2021-12-31 EUR Millions SGD Millions EUR Millions SGD Millions EUR Millions SGD Millions 375,054 573,475 395,623 604,926 399,113 610,262 19,484 29,792 19,002 29,055 20,012 30,599 2,046 3,128 69 1,234 1,887 0.54% 10.53% 5.19% 25.90% 19.90% 18.10% 2.49% 35.99% 22.14% 114.09% 71.48% 45- -0.01% -0.23% 4.80% 23.70% 19.50% 17.70% 3.32% 40.91% 26.35% 105.70% 63.74% 0.31% 6.33% 5.01% 22.40% 18.00% 16.30% 2.57% 36.05% 21.41% 102.80% 64.71%