Capital adequacy is a prime requirement for credit growth when it comes to a Commercial Bank. However, having a total Capital ratio (Tier I + Tier II) above 15% (according to Basel II regulatory framework) illustrates inefficiency of the Bank!

Whole Sale Lenders (WSL) such as Development Financial Institutions (DFIs) will differ from Retail Lenders (RL) on the following key elements / ratios 1.) WSLs have a low cost to income ratio 2.) WSLs have a relatively lower Net Interest Margin 3.) WSLs have a Loan to Deposit Ratio (LDR) in excess of 100% 4.) WSLs have a Borrowings (excluding repo investments) to Deposit Ratio (LDR) in excess of 100% 5.) WSLs have a relatively high total Capital Adequacy Ratio (CAR) , i.e. Tier I + Tier II

When everyone arrived at the formal garden, lunch had been laid out on the terrace by unseen hands. Bowls of strawberries and frosty buckets of champagne waited beside iced platters of salmon and dill, sliced cold flank steak and a salad composed of all the kitchen garden's earth-bound magic. A tiered cake stand held scores of macarons- pistachio, chocolate, raspberry and more exotic lavender and vanilla, thyme and honey, rose and tea, each topped with the corresponding herb or flower.

All that glisters is not gold;
Often have you heard that told:
Many a man his life has sold
But my outside to behold:
Gilded tombs do worms enfold
Had you been as wise as bold,
Your in limbs, in judgment old,
Your answer had not been in'scroll'd
Fare you well: your suit is cold.' Cold, indeed, and labour lost: Then, farewell, heat and welcome, frost!

You have filled my tea with lumps of sugar, and though I asked most distinctly for bread and butter, you have given me cake. I am known for the gentleness of my disposition, and the extraordinary sweetness of my nature, but I warn you, Miss Cardew, you may go too far.

Cecily. This is no time for wearing the shallow mask of manners. When I see a spade I call it a spade.
Gwendolen. [Satirically.] I am glad to say that I have never seen a spade. It is obvious that our social spheres have been widely different.