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3. Despite Savings Bank has a cumulative gap for the coming year of +GHS 135 million, and interest rates are expected to fall by two

3. Despite Savings Bank has a cumulative gap for the coming year of +GHS 135 million, and interest rates are expected to fall by two and a half percentage points. Can you calculate the expected change in net interest income that this thrift institution might experience? What change will occur in net interest income if interest rates rise by one and a quarter percentage points?

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