Referring to journal article "Efficiency, Stability, and Asset Quality of Islamic vis--vis Conventional Banks: Evidence from Indonesia" (as attached), answer the following questions:a. Discuss the results of descriptive statistics for variable (i) fee-based income and (ii) ROA. You may explain the mean values, std. deviation, minimum, and maximum values for those two variables above. See Table IV Page 387 Note: In writing your argument, start with introduction, main analysis, and followed by synthesis/concluding remark.a. Referring to Table IV page 387, write the hypotheses of t-test analysis. Explain the results of t-test for variables that are significantly different and insignificantly different between Islamic and conventional banks Note: In writing your argument, start with introduction, main analysis, and followed by synthesis/concluding remark.

No. of Islamic Conventional Difference between Variables Scaled by observations Mean SD Min Max banks banks t-test and p-value Fee-income (%) Total operating 192 10.91 8.49 -4.67 40.01 13.69 10.62*** 0.00 income Non-deposit funding (%) Total funding 39 25.83 37.30 0.20 100.00 56.39 4.57*** 0.00 Loans-deposits ratio (%) 207 118.79 132.68 39.60 999.33 337.37 86.00* ** 0.00 Loan-loss reserves (%) Total gross loans 210 2.65 3.69 0.07 47.57 2.05 2.75* * 0.02 Loan-loss provisions (%) Total gross loans 193 14.41 24.49 -55.12 202.60 14.04 14.48 0.82 Non-performing loans (%) Total gross loans 89 5.65 15.69 0.24 100.00 3.81 5.79 0.27 Return on assets (%) 212 1.47 1.38 -9.25 4.54 1.11 1.54* ** 0.00 Equity asset ratio (%) 213 12.31 6.94 -3.28 53.78 14.59 11.89*** 0.00 Z-score 189 62.78 46.44 -0.33 314.48 71.20 61.25*** 0.01 Control variables In(total assets) 213 8.81 2.30 4.52 15.72 10.03 8.58*** 0.00 Fixed assets (%) Total assets 213 1.52 1.30 0.03 8.35 1.57 1.51 0.56 Notes: This table contains the descriptive statistics for the variables used in this research. Overall, Islamic banks have higher scores for the business model proxies than do conventional banks. In terms of asset quality, Islamic banks have lower levels of loan-loss reserves and non-performing loans. In terms of stability, Islamic banks are more stable than conventional banks, as shown by their higher Z-scores. In terms of the control variables, Islamic banks have lower total assets, but higher fixed assets. ** and ** denote significance at 1% and 5% levels, respectively business model, asset Descriptive statistics quality and stability of variables: bank Conventional Table IV. banks 387