Calculate the operating costs/total assets ratio for the bank in 2018. The ratio for major UK banks in 2018 is between 1%-1.5%. Discuss Atom banks ratio in 2018.

	2017(1,000 pounds)	2018(1,000 pounds)
CET1	73,313	100,058
Tier 1 Capital	73,313	100,058
Subordinated debt		7,935
General credit risk adjustment	295
Tier 2 Capital	295	7,935
Total Capital	73,608	107,993
RWA	166,888	572,566
Total leverage ratio exposure measure	669,927	2,003,497
CET1 ratio	43.9%	17.5%
Tier 1 ratio	43.9%	17.5%
Total capital ratio	44.1%	18.9%
Leverage	10.9%	5.0%

Thanks!!