The following table is the balance sheet of the Bank of Ghana.

Ghana International Bank's reserve ratio is 10%.

assets	liabilities
reserves $ 20million T-bond $ 50million mortgages $130million	checkable deposits $150million bank capital $ 50million

1) If, for some reason, a customer of Ghana International Bank suddenly withdrew a deposit of $10 million, how much is the required deposit and excess deposit? Please indicate with the statement of financial position of the Bank of Ghana.

2) To make up for the shortfall in deposits caused by the sudden withdrawal of $10 million, Ghana International Bank is considering (i) lending from other banks and (ii) selling mortgage loans. Indicate the statement of financial position when implementing each plan. and briefly discuss the relative advantages and disadvantages of the two ways considering ROA, ROE, net interest margin, and transaction cost. (10 points)