(a) Consider the assets available in Bank X, Bank Y and Bank Z, which bank is able to achieve stronger liquidity position? Explain and justify your answer with support. (Word limit = 300) (10 marks) 60 Bank X Assets $ (in million) Cash 70 Treasury 100 securities Consumer 80 loans Commercial 50 loans Total assets 300 Bank Y Assets $ (in million) Cash 100 Treasury 80 securities Consumer 60 loans Commercial 60 loans Total assets 300 Bank Z Assets $ (in million) Cash Treasury 80 securities Equity 50 securities Commercial 110 loans Total assets 300 (b) Bank run occurs when many clients withdraw their deposit simultaneously over concerns of the bank's solvency. Should the bank increase or decrease the deposit interest rate to lower the possibility of unexpected withdrawal? Explain and justify your answer with one example. (Word limit = 300) (10 marks)