Your group is the investment research team at a boutique private wealth management firm. One of your clients, American entertainment mogul and self$-$made billionaire Zee$-$J Carter was offered the opportunity to acquire $79$ million shares of CIBC FirstCaribbean International Bank $($approximately $5\%$ of the bank$)$ from its majority shareholder CIBC.Zee$-$J is excited about the prospect of having an equity position in an $$offshore bank$$ and has asked your firm to advise on the financial strength of the bank before making a final decision.Required:Review the most recent annual report of CIBC FirstCaribbean and any other relevant publicly available information and prepare a comprehensive analyst report to assist Zee$-$J with his decision. Is de$-$risking a concern for this bank? If so how can management mitigate this? Discuss in detail