Use the information in the tables to answer the following questions below: XYZ Bank

Balance Sheet (All amounts are stated as averages) Assets KM Liability and Equity KM Cash and balances with other banks 75 Demand deposits 150 Investments in Government securities 400 Time deposits 325 Investments in OMO term deposits (BoZ) 18 Balances due to BoZ 425 Loans and advances 402 Equity 100 Premises 105 Total Assets 1,000 Total Liabilities and Equity 1,000 XYZ Bank Income Statement Assets KM Interest Income 150 Interest Expense 110 Non-Interest Income 11 Non-Interest Expense 38 Net Income 13 Required: A. Calculate the bank's return on equity (ROE) and discuss its importance. [4 marks] B. Demonstrate that the bank's return on assets (ROA) and equity multiplier (EM) can be used to produce a comparable result in part (A). Describe the relationship between ROA and EM and the importance of each. [10 marks] C. Determine the bank's net interest margin, burden ratio, and efficiency ratio and describe the significance of each in analysing the performance of the bank. [6 marks] [20 MARKS