How to answer this question?

An ysis of the UBPR reports on NCB was presented in this chapter. We examined a wide variety of profitability measures for the bank, including ROA, ROE, net profit margin, net interest and operating margins, and et utilization. However, the various measures of earnings risk, credit risk, solvency risk, liquidity risk, market risk, and interest rate risk were not discussed in detail. Using the data in tables 5-5 through 5-9, calculate each of the dimensions of risk for NCB for the most recent 2 years and discuss how the bank’s risk exposure appears to be changing over time. What steps would you recommend to management to deal with any risk exposure problems you observe?