(d) Suppose that a bank estimates its total deposits and total loans for the next six months in millions of ringgits with 10% statutory reserve requirement. Current month (December) total deposits and total loans are RM117 and RM88 respectively. Total deposits to be in next six months are RM112, RM132, RM121, RM147, RM151 and RM139, while its loans will total an estimated RM87, RM95, RM102, RM113, RM101 and RM78 over the same six months. Under the sources and uses of funds approach, when does this bank faces liquidity deficits, if any? (9 marks)