(c). Use the information below to answer this question

CAPITAL STRUCTURE OF KOYJOY BANK LTD
CAPITAL STRUCTURE		AMOUNT GHS
TIER 1 CAPITAL		6,000,000
TIER 2 CAPITAL		5,000,000
TABLE 2
OUTSTANDING LOAN AMOUNTS AND THEIR LOAN CLASSIFICATION
AS AT 31ST DECEMBER ,2019
OUTSTANDING LOAN AMOUNT	LOAN CLASSIFICATION		ASSIGNED
GHS	PAST DUE		%
60,000,000	39 Days after expiry		10
50,000,000	185 Days after expiry		50
40,000,000	377 days after expiry		100

(i) Calculate the Capital Adequacy Ratio.

(ii) Explain how banks in Ghana apply Bank Capital under the Basel Acord

(iii) What is the significance of the Capital Adequacy Ratio in Ghana?