Your starting balance sheet is 100 as at December 2020 and below are your 2020 margins: NII 3.5, NF&CI 2.5, NTI 0.0, OPEX: (2.5), CoR: (1.0), TAX: (0.5). You are asked to forecast 2021 earnings. You factor in 50bp hike along the short end of yield curve and yields on all your shorter dated liabilities (deposits) go up by 50bp. No change do you expect along the long-end meaning all investment yields and yields on longer-dated liabilities are the same as they were in 2020. Assume other margins do not change in 2021. What is the asset growth that will secure the same ROA you earned last year? What other assumptions, if any, do you need to make. I would like you to craft a model on excel and explain the thought process