The following is the balance sheet numbers (in millions) reported by Bay Bank for 2020 . The sovereign and corporate ratings are provided in parentheses. Based on Basel II standards, are the banks adequately capitalized (use the weights listed in the Ch. 13 PowerPoint). No, they do not have sufficient Tier 1 or Tier 1+2 capital No, they have sufficient Tier 1 but insufficient Tier 1+2 capital No, they do have sufficient Tier 1+2 capital but insufficient Tier 1 capital