Starting in 2016, a bank builds $20,000 of lending provisions each year in order to absorb a write-off of $100,000 in 2020.

What will be the effect of the above scenario on the Profit before tax in the bank's income statement in 2020?

Express your result in $000s. You must not type $ sign or comas. You must round your result to ONE decimal when your answer is expressed in $000s. If your result is -$10,530, you will be required to type -10.5. If there is no effect on profit before tax, enter 0.