This is the 202X Balance Sheet of the Bank B with annually average figures This Bank earned USD 5560 mil in fees and commissions and USD 1420 mil in securities gain; paid USD 5250 mil in overhead costs; USD 1950 in loan loss provision. Corporate income tax rate is 15%. a. How much are: Net interest margin, net non-interest margin, ROE (20 points). b. How can the bank reach its ROE to 5% (two options: increasing average lending rates or reducing average deposit rates) (10 points)