Refer to the following graph. Banks' common equity ratio (%) Westpac ANZ NAB CBA* *As at Dec 31, 2020 10.5 APRA benchmark 11.70- 12.34 12.40 12.37 CBA will be delivering a trading update next week. SOURCE: FINANCIAL REVIEW (i) Comment on the top 4 Australian banks' current capital strength. Are these banks likely experiencing a capital excess or shortage? (2 marks) (ii) Outline two (2) strategies that may help these banks address their capital excess/shortage, together with the pros and cons of each strategy. (6 marks)