Please answer the 3 questions:

The First Arab Bank is a regional commercial bank with a focus on consumer and small business lending. The bank's loan portfolio was all initiated 3 years ago, and is broken down as follows: Exposure Borrower LTV- Borrower LTV - Borrower LTV - Origination 1 Year Ago Today Housing Loans: $ 50 Million 10.21% 10.84% 10.91% Credit Cards - Utilized: $ 15 Million 44.82% 42.89% 44.11% Credit Cards - Non Utilized: $5 Million n/a n/a n/a Small Business loans: $ 20 Million 22.74% 41.54% 39.97% LTV stands for the Loan to Value of the collateral) ratio. The larger the ratio, the higher the credit risk. The key loan portfolio metrics are historically estimated at: PD - 1 Year PD - Lifetime Recovery Rate Housing Loans: 3.22% 12.12% 60% Credit Cards - Utilized: 7.48% 32.05% 15% Credit Cards - Non Utilized": n/a n/a 15% Small Business loans: 6.38% 18.78% 45% *CCF of 35% The total Expected Credit Loss (ECL) on First Arab Bank's Housing Loan portfolio is closest to: Question 2 Not yet answered Marked out of 1.00 p Flag question The total Expected Credit Loss (ECL) on First Arab Bank's Utilized Credit Card Portfolio is closest to: Question 3 Not yet answered Marked out of 1.00 p Flag question The total ECL on First Arab Bank's Non Utilized Credit Card Portfolio is closest to