Q3. XYZ Company has the following financial data: (5 marks)

Particulars	Amounts (SAR)
Total Profit for the Year	377,500
General Takaful Assets (Year 2014)	1,390,000
General Takaful Assets (Year 2015)	1,517,500
Cash	11,500
Short-term Investment	23,500
Short term liabilities	85,000
Underwriting Surplus Distributable to Participants/Participants' Share of Profit	145,500
Gross Contribution	958,000
Net Contribution	662,500
Wakalah Fee	77,500
Commission Paid	28,300
Management Expense	58,000
Net Claim Incurred	287,500
Earned Contribution	632,500

You are required to calculate:

1. Return on Assets
2. Quick Liquidity
3. Surplus Distribution Ratio
4. Expense Ratio
5. Claims Ratio