There are three parts to Question 22. All questions here must be answered. Please clearly outline which question you are answering by clearly labelling it as a, b or c. Q22a) Banks are heavily regulated. Why is this the case? Q22b) What is bank capital? Define and provide the key functions of this bank capital Q22c) Home loans represent a considerable part of banks balance sheets. Identify whether these are banks assets or liabilities. Also identify the process by which banks can get these home loans off their balance sheets