10.5 is, itself, a fraction. It is a fraction in decimal form rather than in the form of a ratio. However, that does not stop it being a fraction. Its equivalent, in rational form, is 105/10. You can simplify that if you so wish.
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105 / 1,000 21 / 200
0.105 = 105/1000 = 21/200
105 is an integer and so there is no sensible way to represent it as a fraction.
You can convert any integer into a fraction, by putting the integer into the numerator, and 1 into the denominator. Thus, 105 = 105/1.
105% = 21/20 OR 1.05