You have been appointed as a CEO of bank A which has the following strategic issues: ? Huge Non-Performing Loans (NPL) of 43% ? Return on Equity (ROE) of 3% (lower than Inflation rate) ? High interest expense/income ratio of 68% ? High cost/income ratio (CIR) of 84% ? Low income /employee and high cost/employee –i.e. productivity index far below industry average? Low capital & capital adequacy issues of 10.46% a. You are required to submit a restructuring plan to your Board indicating short term measures to position the Bank to generate shareholder value.