a linear normalisation ratio for high-margin banks, defined as those with NIM larger than 3.5%, is adopted. Under this approach, the BIs interest component is adjusted by the ratio of the NIM cap, set to 3.5%, to the actual NIM. But at the final version of Basel 3, this figure has changed to 2.25%. Talk about the change from 3.5% to 2.25% as an amendment and analyze the reason. Notice that dates of change as well.