A bank has the following balance sheet:

Assets	Return	Million $	Liabilities and Equity	Cost	Millions $
Cash		0.00	%		$	75			Fixed-rate deposits		3.50	%		$	240
Investments (< 1 year)		4.00	%		$	200			Rate-sensitive deposits		2.00	%		$	300
Short-term loans (< 1 year)		6.00	%		$	225			Fed fund borrowings		2.50	%		$	25
Long-term fixed-rate loans (maturity > 1 year)		6.75	%		$	250			Long-term borrowings at fixed rate (maturity > 1 year)		5.50	%		$	119
									Equity					$	66
Total					$	750			Total					$	750

What will be the change in net interest income at year-end if interest rates decline by 2 percent using the Funding Gap Method?

Enter answer as decimal 0.00