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QUESTION
how are they coming up with this: 2012 ROA= 14%-1.2% 2011 ROA= 15%-1.0% how are they getting the 18.2% and the 21.
how are they coming up with this:
2012 ROA= 14%-1.3=18.2%
2011 ROA= 15%-1.4=21.0%
how are they getting the 18.2% and the 21.0%
