City Group - What's the Average Return Equity?

Over the last ten years, their net interest margin average threeand a half %. And yet, their return equity was, what was the average return equity? Six point eight% That's very bad. One is om large provisions for losses throughout the period. City also has a lot of stuff that's not in the us. It also is involved in some businesss that aren't purely a net interest margin driven stuff. But you like city group. I like the price. What would the thought process be to underwrite t like a priced book of at least one are close to it, right? If they could earn double dic of returns on equity on the future, which would be