Principles of Banking & Insurance Quiz 2

The latest report of condition and income and expenses statement for MNP PLC for the year ended December 31, 2024 are as shown in the following tables: | Items | Amount in BDT (M) | Items | Amount in BDT (M) | |---|---|---|---| | Interest and fees on loans | 70 | Profit on sale of investment | 2 | | Commission, exchange, Brokerage | 3 | Total assets | 900 | | Interest paid on non-deposit borrowings | 6 | Advertisement and promotion | 2 | | Provision for loan losses | 5 | Shares of common stock outstanding | 120000 | | Noninterest income and fees | 20 | Locker rent | 1 | | Salaries and employee benefit | 13 | Total liabilities | 200 | | Securities gains (or losses) | 5 | Income Taxes | 5 | | Interest paid on deposit | 40 | Interest and dividend on securities | 5 | | Noninterest expense | 10 | Overhead expense | 5 | | Earning asset | 800 | | | Analyze the following performance ratios along with interpretation. a. ROA b. ROE c. NIM d. Non interest margin e. Net operating margin f. Net profit margin g. Earnings spread h. Asset utilization i. Equity multiplier