Commercial Bank of Zamunda has a credit portfolio of R8.5 bn, with an average portfolio PD of 1.5%. The net income or margin is 2.6%. If the portfolio collapses, about 40% of recovery can happen. Therefore, the maximum loss would be R5.1 bn (60% x 8.5 bn). Hence, the outcome shows a gain of roughly R221 m versus a loss of R5.1 bn. Commercial Bank of Zamunda maintains a 10% capital adequacy ratio and the portfolio exposure (RWA) is R8.5 bn. Based on the Kelly Criterion, how much capital buffer should Commercial Bank Zamunda maintain