You recently get a 3-month internship in ANZ, and your manager asked you to prepare a ratio analysis report to present to the media. The audience will be investor, regulator, and members of the public 1) prepare the 2021 and 2022 ratio table for ANZ using the Template provided in Page 2&3. Please use the consolidated/group figures and averages of total assets and equity and show your workings and answers.

	Ratio	Year: 2021		Year: 2022
		Working	Answer	Working	Answer
1	Return on Equity
2	Return on Assets
3	Equity Multiplier
4	Expense ratio
5	Tax ratio
6	Asset Utilisation ratio
7	Interest Expense ratio
8	Non-interest expense ratio
9	Provision for loan loss ratio
10	Interest Income ratio
11	Non-interest Income ratio
12	Earnings base
13	Net Interest Margin
14	Spread
15	Burden ratio
16	Efficiency ratio