Required information

Variances in amounts and percentages (%) for each question:

Variance in loans

Variance in deposits

Variance in investments

How much net profits increased into equity

How much dividends have been paid during 2020

how much represent loans from total assets

how much represent investments from total assets

Calculate the profitability ratio (return on equity)

Calculate the return on assets ratio

Below presented the comparative financial statements of a Bank in KSA for the years 2019-2020 2020 2019 Assets Cash and balances with SAMA 12,633 17,167 Due from Banks and other Financial institutions 1,082 2,068 Investments, net 43,775 38,038 Loans and advances, net 113,363 118,837 Property Plant and equipment 2,301 2,183 Others' 5,149 Total assets 180,396 183,442 7,242 Liabilities and Equity Liabilities Due to banks Customer deposits SUKUK other Liabilities 9,798 129,352 2,830 8,650 150,630 3,082 142,129 2,018 7,870 155,099 15,000 8,596 6,138 Equity Share Capital Reserves Retained earnings Proposed dividends Non-controling interest Total Equity Total Liabilities and Equity 15,000 7,987 4,627 694 35 28,343 183,442 32 29,766 180,396 Statement of Profit and Loss Special commission income Special commission expense Net special commission Income Fee and commission income Fee and Commission expense Fees and commissions income, net Exchange income Unrealized losses/gains on investments at FVTPL, net Trading income/losses, net Dividend Income Gains on sale in investmenets in debt instruments, net Other operating income, net Total operating income 2020 5,992 1,123 4,869 1,236 686 550 322 (117) 5 83 10 102 5,824 2019 7,633 2,080 5,553 1,291 622 633 658 363 10 (10) 85 0 75 6,733 1,192 62 220 572 2,047 1,282 1,281 58 253 611 2,203 971 salaries and employee related expenses Rent and Premises related expenses Depreciation and amortization Other general and administrative expenses Total operating expenses before impairement charges Allowance charges for ECL and other provisions, net (Reversal of impairment charges)/ impairment charges for other financial assets, net Total operating expenses before impairment charges Net operating income Share in earning of associate, net , gain on disposal of investment in an associate Net income before Zakat and income tax Zakat charge for the year income tax for the year deferred tax reversal for the year Net income for the year Basic and diluted earnings per share 18 3,192 3,541 10 (11) 3,317 2.507 50 15 2,572 285 222 (4) 3,551 249 287 (7) 3,022 2.02 2,069 1.38