Liquidity risk;

1. Attached the quarterly deposits for two types of banks since 2013 namely:

a. AMMB Holdings Bhd

The average net deposit drain on AMMB holdings is 16%, with a standard deviation of 36%. The bank is increasing because they added more core deposits to the bank than are being withdrawn. The average rate of deposit growth is 16%

b. Bank Islam Malaysia Bhd.

For Bank Islam Malaysia holdings, the expected increase in net deposit size for the third quarter of 2023 is 12% and standard deviation is 23%. The bank is increasing because they added more core deposits to the bank than are being withdrawn

Assuming normal distribution and 95% confidence level, what is the expected increase or decrease in the deposit size for the third quarter 2023? PLEASE PROVIDE THIS ANSWER QUICKLY !