Examine the balance sheet of commercial banks in the following table.

Assets	$ Billion			% Total			Liabilities and Net Worth	$ Billion			% Total
Real assets							Liabilities
Equipment and premises	$	111.9		0.8	%		Deposits	$	11,349.4		76.2	%
Other real estate		13.2		0.1			Debt and other borrowed funds		1,038.1		7.0
Total real assets	$	125.2		0.8	%		Federal funds and repurchase agreements		259.4		1.7
							Other		563.7		3.8
							Total liabilities	$	13,210.6		88.7	%
Financial assets
Cash	$	1,686.4		11.3	%
Investment securities		3,425.4		23.0
Loans and leases		8,060.9		54.1
Other financial assets		553.0		3.7
Total financial assets	$	13,725.7		92.2	%
Other assets
Intangible assets	$	350.4		2.4	%
Other		692.1		4.6
Total other assets	$	1,042.5		7.0	%		Net worth	$	1,682.8		11.3	%
Total	$	14,893.4		100.0	%			$	14,893.4		100.0	%

Balance sheet of FDIC-insured commercial banks and savings institutions

Note: Column sums may differ from total because of rounding error.

Source: Federal Deposit Insurance Corporation, www.fdic.gov, March 2016.

a. What is the ratio of real assets to total assets? (Round your answer to 4 decimal places.)

b. What is the ratio of real assets to total assets for nonfinancial firms in the following table? (Round your answer to 4 decimal places.)

Assets	$ Billion			% Total			Liabilities and Net Worth	$ Billion			% Total
Real assets							Liabilities
Equipment and software	$	6,713		17.0	%		Bonds and mortgages	$	6,046		15.3	%
Real estate		12,485		31.6			Bank loans		948		2.4
Inventories		2,219		5.6			Other loans		1,103		2.8
Total real assets	$	21,417		54.2	%		Trade debt		1,969		5.0
							Other		6,636		16.8
							Total liabilities	$	16,702		42.3	%
Financial assets
Deposits and cash	$	992		2.5	%
Marketable securities		955		2.4
Trade and consumer credit		2,719		6.9
Other		13,418		34.0
Total financial assets	$	18,084		45.8	%		Net worth	$	22,799		57.7	%
Total	$	39,501		100.0	%			$	39,501		100.0	%