| 1 | The net income per head rose by about 16 percent in the past three years. | |
| 2 | Higher transaction volume partially offset the decline in net revenue per transaction. | |
| 3 | But European net earnings are significantly lower because of higher taxes and social security contributions. | |
| 4 | By contrast, you calculate return on assets, or ROA, by dividing net income by total assets, which includes liabilities. | |
| 5 | Net income climbed to 2.8 trillion yuan ($438 billion), the National Bureau of Statistics said on its website today. |
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