b. Assume you are a credit analyst, currently attached with on the banks in Saudi Arabia. Two clients recently applied for a personal loan of SAR40,000. You have gathered the following information. Income Repayment history Current debt Personal asset for security Share holding (value) Economic condition Client A 6000 SAR/ month 80% SAR 20,000 SAR 20,000 none Client B 5000/month 90% SAR 10,000 SAR 15,000 SAR 10,000 Moderate growth Moderate growth Discuss 5 Cs based credit Analysis and using above information, which client should be given the loan? What are the major sources of income for a commercial bank? CAS c.) Bank A has three types of assets: Debenture ($90,000), Mortgage ($75,000), and Loan to the Government ($2000). The bank has Tier 1 capital of $15,000 and Tier 2 capital of $20,000. Calculate Capital adequacy ratio. If the capital adequacy requirement ratio is 8%, does the bank meet the requirement?