The following information applies to InterStellar Bank: Capital at start of the planning period $712 million Asset at start of the planning period $10,500 million Dividend payout ratio (per annum) 35% Asset growth rate (per annum) 12% Return on assets (per annum) 1.1% (i) Calculate the bank's projected capital ratio. (2 marks) (ii) If the target capital ratio is 6%, what is the capital shortage or excess in dollar terms? (2 marks) (iii) Detail three (3) possible courses of action which can help the bank resolve the above shortage/excess