Vietcombank$$s balance sheet on $31$ December $2018$ as follow:

Required questions:

$1.$ Calculate financial ratios in $2008$ and $2019$: ROA. ROE, NIM. Give your explanation

about the change of ROE in the year of $2019$ in comparison to the year of $2018($special

in change of income, expense and the use of assets$)$

$2.$ Suppose forecasts in deposit growth and loan demand in $2020$ are followed. Estimate

Liquidity needs of VCB in the first six months in $2020.$

a$.$ Trend: increases $12$ percent for the next year

b$.$ Seasonal deposits from customers: rises $3$ percent in comparison to the previous

month

c$.$ Seasonal loans to customers: rises $5$ percent in comparison to the previous month

d$.$ Cyclical values of deposits from customers decreases $100$ million per months in

$2020,$ Cyclical values of loans to customers falls $150$ million per months in $2020$

e$.$ Legal reserve is $5\%$ for deposits.