CET $1$ Risk$-$Based Ratio: $11\mathrm{.}64\%$

Tier $1$ Risk$-$Based Capital Ratio: $11\mathrm{.}64\%$

Total Risk$-$Based Capital Ratio: $11\mathrm{.}64\%$

Leverage Capital Ratio: $7\mathrm{.}80\%$

e$.$ Capital Risk Category:

Based on these ratios, especially with a CET $1$ ratio and a leverage ratio well above typical regulatory minimums, National Bank would be placed in a low capital risk category. This is subject to specific regulatory standards and thresholds, which can vary by jurisdiction and over time. $$What is the capital conservation buffer? How would this buffer affect your answers to question $18?$