HELP!Compare values in different sheets based on multiple reference values as conditions

I have data in two different sheets. The actual data is much much bigger. This is just the sample. So it would be very very painful if I couldn't get a solution to this.

In sheet1, I have the borrowers and outstanding per employee. In the Area Avg sheet, I have the average borrowers and outstanding in each area as this is the standard for comparison (I got this through the subtotal function).

Now what I have to do is in sheet1, format(change the color) each cell under borrowers which is greater than the average of the relevant area. Since, (in my actual data) the name of the area may be duplicate in different regions, the reference value (average borrowers of the area) from "Area Avg" sheet has to be traced through multiple criteria which are: Division, Region and Area. The same also has to be done for outstanding but the solution can be provided for borrowers only.

Any solution that is provided, please let me know if it can be applied to really really huge amount of data.

Thank in advance.

Sample.xlsx

Can u plz explain why wrong post. Wanted to know since I am new. How can I get help on this????

I am working with 5180 rows and 46 columns. So, for me that's huge. I also thought of condition formatting but I am caught up in the formula as this cannot be solved with the built in options of conditional formatting.

Can you give me a solution to reference multiple values as condition (In my case, Division, Region and Area) from different sheets. If it is not possible from different sheets, then I can bring the data into 1 sheet. BUt still I would have to refer to multiple conditions.

I tried using the following formula in my total data but it didn't work. Don't know why.

=$I$6>(index($D$5652:$D$6113,match(1,($A$6=$A$5652:$A$6112)*($B$6=$B$5652:$B$6112)*($C$6=$C$5653:$C$6113),0)))