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a) The following are the items in the income statement of JAYA Bank. Based on the above information, answer the following questions: i) Determine the bank's net income. (5 marks) ii) Discuss the impact of borrower default (unable to repay) on the bank's income. (5 marks) b) Explain what it means for a bank to have a large value of equity multiplier (EM). Would the bank's return on equity (ROE) be affected? (5 marks) c) JAYA bank reports a return on equity (ROE) of 3 percent, total assets of RM350,000 million, and net income of RM8,400 million. Calculate the bank's return on asset (ROA) and equity multiplier