Using the following information for HSBC, calculate that banks ratios of Tier 1 capital-to-risk-weighted assets and total-capital-to-risk-weighted assets. Does the bank have sufficient capital according to Basel III?

On-Balance-Sheet Items (Assets)		Off-Balance-Sheet Items
Cash:	BDT 4.0 million	Standby letters of credit (SLC) backing the issue of government bonds:	BDT 20.5 million
BD Treasury securities:	BDT 30.6 million	Long-term unused loan commitments to corporate customers:	BDT 25.5 million
Deposit balances due from other banks:	BDT 4.0 million	Total off-balance-sheet items:	BDT 46.0 million
Mortgage loans:	BDT 66.0 million	Credit risk weights:
Credit card loans:	BDT 10.0 million	0% for cash and government securities; 20% for interbank deposits and the SLC; 50% for residential mortgage loans and 100% for corporate loans, credit card loans, long-term credit commitments etc.
Loans to corporations:	BDT 105.3 million	Conversion factor:
Total assets:	BDT 219.9 million	For the SLC: 0.20 and For long-term credit commitments: 0.50
Tier 1 capital:	BDT 7.5 million	Tier 2 capital:	BDT 5.8 million