Select items at Wales Bank and Conwy Bank; 2008 and 2018. Wales Bank Conwy Bank 2008 2018 2008 2018 Net Interest Revenue 50,451 80,326 40,662 32,531 Noninterest income 15,112 21,111 27,805 26,569 Operating Revenue 65,563 101,437 68,467 59,100 Operating expenses 60.749 92,547 41,545 40,012 Of which: Staff cost 26,989 32,145 21,166 19,900 Net Income 28,541 40,512 17,944 15,096 Loans 15,474 23,879 917,371 934,129 Total assets 1,021,456 1.564,879 2,555,579 2,409,656 Employees 2,456,295 3,421,363 298,000 264,000 Required: fi] Define what are the burden, efficiency ratio, and operating risk ratio. Calculate each ratio for the two banks in both 2008 and 2018. What can we infer about the relative performance of each bank and their management of noninterest income and noninterest expense over time