Consider the following bank data at 31Dec2014 - Total gross non-performing loans: eur 20,000 - Loan Loss reserves: eur 7,000 - Loan loss provisions: eur 1,000 - Common stocks: eur 4,500 - Retained earnings: eur 1,000 - Preferred shares: eur 500 - Customer deposits: eur 45,000 - RWA (including NPLS): eur 48,000 B.1. What is the bank's Net NPLs and cash coverage ratio? (+ 0.8 points; penalty: - 0.1 ) (a) 19,000 and 5% (b) 13,000 and 35% (c) 12,000 and 40% (d) 21000 and 38% B.2. What is the bank's CET1 ratio? (a) 12.5% (b) 9.4% (c) 11.5% (d) 104%