Using the following information for ABC Bank, calculate the banks ratios of Tier 1- capital- to-risk-weighted assets and Total-capital- to-risk-weighted assets under Basel II norms.

(Rupees in million)

Cash	4.5	SLCs backing CPs	17.5
G-Secs	25.6	Long term unused loan commitments to companies	30.5
Deposits with other banks	4.0	Total OBS	48.0
Secured mortgaged loans	50.8	Tier 1 capital	7.5
Loans to pvt companies	105.3	Tier 2 capital	9.5
Total assets	190.2

Ignore market risks & operational risks.

Comment on your ratios from the following regulatory perspectives:

(a) Indian,

(b) Global (BCBS)