Review the 2021 annual report of St. Kitts-Nevis Anguilla National Bank Limited located at the following link: https://www.sknanb.com/pdf/ar21.pdf

Prepare a comprehensive written financial assessment of the bank (approx. 4,000 words). The report must include the following information:

Introduction and historical background.

Define the primary regulatory framework governing the group and how this is managed.

Assess the revenue streams and product diversification.

Assess the bank in terms of profitability, liquidity, and capital adequacy. Use appropriate ratios to support your assessment.

Analyse the banks risk profile with specific reference to credit risk, loan quality and concentration risk. Use appropriate ratios to support your analysis.

How has the COVID-19 pandemic impacted the bank?

How is fintech employed at the bank?

Would you recommend buying shares in this bank as a good investment? Explain your answer.

Closing remarks summary.

NB: PLEASE PROVIDE ANSWER FOR QUESTION # 7