• Service average return on tangible equity for 2023 was -174.83, a 102.84% decline from 2022.
• Service average return on tangible equity for 2022 was 6160.77, a 5738.63% decline from 2021.
• Service average return on tangible equity for 2021 was -109.26, a 76.59% decline from 2020.

Return on tangible equity can be defined as the amount of net income returned as a percentage of shareholders equity, after subtracting intangible assets, goodwill and preferred equity.