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A) How has the Net Interest Margin changed for the bank from 2019 to 2020? Calculate the ratio for both years.

B) How has the Return on Equity changed for the bank from 2019 to 2020? Calculate the ratio for both years.

C) How has the Return on Assets changed for the bank from 2019 to 2020? Calculate the ratio for both years.

STATE STREET CORPORATION CONSOLIDATED STATEMENT OF CONDITION December 31, 2020 December 31, 2019 (Dollars in millions, except per share amounts) Assets: Cash and due from banks 3,457 5 3,302 Interest-bearing deposits with banks 116,860 68.965 Securities purchased under resale agreements 3,106 1,487 Trading account assets 815 914 Investment securities available for sale 59,048 63,815 facility (less allowance for credit losses of S1) (fair value of $3,304) 3,299 Investment securities held-to-maturity (less allowance for credit losses of $2) (fair value of $50,003 and 542,157) 48,929 41,782 Loans (less allowance for credit losses on loans of $122 and $74) 27.803 25.235 Premises and equipment (net of accumulated depreciation of $4,825 and 222 Accrued interest and foes receivable 3,105 3.231 Goodwill 7,683 7.556 Other intangible assets 1,827 2.030 Other assets 36,510 34,011 Total assets 5 314,706 5 245 610 49.4395 102,331 88,028 239,798 34,031 77,504 70,337 181.872 3,302 685 27,503 13.805 283,506 839 24 857 12509 221.179 Deposits Non-interest-bearing Interest-bearing-US Interest-bearing-non-U.S. Total deposits niin alam Short term borrowings under money market liquidity facility Other short-term borrowings Accrued expenses and other liabilities Long-term debit Total liabilities commitments, guarantees and contingencies (Notes 12 and 137 Shareholders' equity: Preferred stock, no par, 3,500,000 shares authorized: Series C. 5,000 shares issued and outstanding Series D. 7,500 shares issued and outstanding Series F. 7.500 shares issued and outstanding Series 6, 5,000 shares issued and outstanding Series H, 5.000 shares issued and outstanding Common stock, 51 par, 750,000,000 shares authorized: 503,879,842 and 503.879,642 shares issued, and 353,156,279 and 357,389.416 shares outstanding Surs Retained earnings Accumulated other comprehensive income (los) Treasury stock, at cont(150,723,363 and 146.490 226 shares) Total shareholders' equity Total liabilities and shareholders' equity 742 742 493 494 491 742 742 494 504 10.205 23,442 187 (10.600) 26,200 314 700 5 504 10.13 21.918 (876) (10.209) 24431 245.610 The accompanying notes are an integral part of these consolidated financial statements State Street Corporation 130 STATE STREET.CORPORATION CONSOLIDATED STATEMENT OF INCOME Years Ended December 31, 2019 2018 2020 $ 5.167 1,880 1,363 356 733 9.499 5.074 $ 1,824 1,058 471 720 9.147 5.421 1,899 1.153 543 438 9.454 2,575 375 2,200 3,941 1,375 2,566 3,662 991 2,671 9 44 43 11.756 10 (3) 6 12,131 15 11.703 88 (Dollars in millions, except per share amounts) Fee revenue: Servicina fnas Management foos Foreign exchange trading services Securities finance Software and processing fees Total fee revenue Net interest Income: Interest income Interest expense Net Interest Income Other income: Gains (losses) from sales of available for sale securities, net Other Income Total other Income Total revenue Provision for credit losses Expenses: Compensation and employee benefits Information systems and communications Transaction processing services Occupancy Acquisition and restructuring costs Amortization of other intangible assets Other Total expenses Income before Income tax expense Income tax expense Net Income Net Income nvaltable to common shareholders Earnings per common share: Basic Dated Average common shares outstanding (In thousands): Basic Diluted Cash dividends declared per common share 4,450 1,550 978 489 50 234 965 8,716 2,899 479 2.420 $ 2,257 $ 4,541 1,465 983 470 77 236 1,262 9,034 2,712 470 2 242 $ 2,009 $ 4,780 1,324 985 500 24 228 1,178 9,015 3,101 508 2.593 2.404 $ $ $ 6.40 $ 6.32 5.43 $ 5.38 6.46 6.39 352,865 357,106 2.08 $ 389,911 373,666 1.98 $ 371,983 376,476 1.78 $ The can these neid toote

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