Based on the two balance sheets, fill in the table provided by computing the sources and uses of funds (6 Marks).

Year 2019 (all number in millions)

Asset		Liabilities and shareholders equity
Cash and due from banks	9	Current deposits	9
Trading securities	18	Savings investment accounts	108
Investment securities	18	Other borrowed funds	88
Net Loans and leases	118	Ordinary shares	38
Fixed assets	41	Retained profits	14
Other assets	86	Reserves	33

Year 2020 (all number in millions)

Asset		Liabilities and shareholders equity
Cash and due from banks	66	Current deposits	16
Trading securities	49	Savings investment accounts	69
Investment securities	46	Other borrowed funds	79
Net Loans and leases	96	Ordinary shares	98
Fixed assets	6	Retained profits	18
Other assets	36	Reserves	19

1b. Based on the above analysis, comments on the banks performance on banking business (6 Marks).

c. Explain how lemons problem can happen in the Eurodollar bond market (6 Marks).