Using the last two financial statements , conduct a profitability analysis of First Caribbean International Bank Jamaica (CIBC) utilizing key financial ratios and Discuss the result. Use financial ratios such as Gross profit margin, EBITDA ratio, Operating profit margin,

Net profit margin, return on assets and return on equity.

Financial report can be found using this link:

https://www.cibcfcib.com/binaries/content/assets/annual-reports/2019/cibc-fcib-jamaica-financial-statements-2019.pdf

https://www.cibcfcib.com/binaries/content/assets/annual-reports/2018/cibc-fcib-jamaica-financial-statements-2018.pdf