The ROA for financial institutions such as banks is typically quite low as compared to non-financial firms. Why? With such a low ROA, how can banks attract stockholders?

ROA = return on assets = income / average total assets

Banks are in the business of receiving money (liabilities) and lending money (assets), and their profit is made for the difference that they pay for deposits and the money that they charge for loans. That is why assets and liabilities are very large for banks, while equity tends to be very small compared to liabilities.

For example, the average debt to equity ratio for banks range from 2 to 3, depending on whether they are commercial or investment banks. Assuming a debt to equity ratio of 3, liabilities represent 75% of the banks assets while equity represents only 25%. That is why a small ROA can represent a large ROE (return on equity).

balanced lifestyle would be the type of lifestyle that fulfill all aspects of our life, including financial security, personal achievements, emotional balance, and intimate relationships with other people.

for me personally, the job that i would choose to achieve a balanced lifestyle is opening an online store.

online store can be managed from the comfort of our phone. if we are the owner of the store, we can determine our own working hours. we can arrange our working hours so we have time to do things such as taking care of children, cultivating romantic relationship, or do our hobby.