Compare I/S Composition (Bottomline), Operating income21,681,25518573911Total operating income23.821.65023,210708General,administration and other operating expense(5.836.4745.080.265General and administrative expenses(7.991.521)(7.856.307刀Profit before net impairment charge and taxation15.844,78113.513,646Operating profit before impairment15.830.12915.354.401Net impairment charge(2.858.237)2.810.940)Net impairment loss on financial assets(5.898.857)(7.e38.100Profit before taxation13.186.54410.893.706Operating profit after impairment9931.2727418,292Income ta联expense(844.272(341.198Share of profit of associate and (loss)on its disposal(21.137)12.173Profit for the year12.542.27210.552.508Group profit for the year before tax9.910.1357.430.4651.Calculate cost income ratio and comment (lower the better)2.Compare Impairment charge ratio which is Net Impairment Charge divided by Average Gross Loans for both banks(calculate yourself)3.Compare Operating proft (op profit/total revenue)%and net profit(net proft/total revenue)%of both banks (optional)