Q: Based on the following financial statements, how Cairo Amman Bank can improve its Return on Assets (ROA), since its equal to .4%?

Cairo Amman Bank Cairo AmmanBan Consolidated Statement of Financial Position A% 2019 Cairo Amman Bank Assets Cash balances with PMA Balances at banks and financial institutions Balances at head office Net direct credit facilities Financial assets at fair value Financial assets at amortized cost Right-of-use asset Net fixed assets Other Total assets Cairo AmmanBank 17.6% 42.1% 87.2% -9.6% -7.4% 23.8% 100% -9.8% -4.2% 7.8% 197,075,791 125,374.417 45,591,547 452,906,496 6.846.415 159,958,619 6.810,171 15,551,047 14,275,159 1,024,389,663 Consolidated Income Statement A% 2019 Liabilities and Owners' Equity Liabilities Banks' and financial institutions' deposits Customers' deposits Sundry provisions Taxes provisions Lease liabilities Other Total liabilities -20.4% 10.6% -3.8% 1.0% 100% 17.0% 8.7% 56,067,621 803,784,099 13,157.148 1,384.588 6,525,007 30.764,975 911,683,437 Revenues Interest income Interest expense Net Interest income Net commission income Net interest and commission income Foreign currencies exchange gains Other Total revenues -0.04% 8.5% -2.7% -13.6% -4.6% -10.5% -37.4% -7.2% 37,510,059 9,700,131 27,809,928 5,353,609 33,163,537 3.267.461 1,562,615 37,993,614 Owners' Equity Paid - in share capital Statutory and cyclicality reserves General banking risks reserve Accumulative change in fair value Retained earnings Total owners' equity Total liabilities and owners' equity 0% 1.4% 6.6% 4.7% 37.9% 1.2% 7.8% 75,000,000 28,453,430 4,073,842 3,167,337 2,011,616 112,706,226 1,024,389,663 Expenses Personnel expenses Operating expenses Depreciation and amortization Impairment provision of credit facilities Other Total expenses Profit before taxes Taxes expense Net profit for the year - 10.1% -2.4% 0.5% -54.6% 100% -9.0% 5.2% 171.2% -18.3% 15,580,382 10,821,106 3,225,656 1.833,850 984,427 32,445,422 5,548,192 1.779,024 3,769,168 O