Below is the balance sheet of XYZ bank.

ASSETS	Amount ($M)	Duration (Years)		LIABILITIES	Amount ($M)	Duration (Years)
Reserves	10	0		Checkable Deposits	10	2
Securities				Money Market Deposits	5	0.1
<1 Year	15	0.4		Savings Account	10	1.5
>1 Year	2	5		Certificates of Deposits
Mortgages				Variable Rate	10	0.5
Variable Rate	10	0.5		<1 Year	18	0.4
Fixed Rate	10	6		>1 Year	5	4
Commercial Loans				Interbank Loans	5	0
<1 Year	8	0.7		Borrowings
>1 Year	15	4		<1 Year	10	0.3
Building etc.	10	0		>1 Year	2	3
				Capital	5
Total	80			Total	80

If interest rates decrease from 10% to 9%, what will: the change in net worth and the Capital of the bank be? You must show your calculation

Also, give two strategies, one related to the assets and the other one related to the liabilities of XYZ Bank, how to manage the banks interest rate risk.