First, derive the one-year repricing interest rate gap of the Bank in 2019 and indicate if the institutions net interest income should be adversely affected by rising or declining interest rates in 2020. The Banks loans/securities repricing > 1 year were 42.81 and liabilities repricing > 1 year were 10.61. Second, given expectations and the recent shape (1-month @ 0.10%, 1-year @ 0.20%, 2-year @ 0.30% and 10-year @ 0.65%) of the US yield curve, are rates more likely to increase or decrease over the next year and help or hurt the Banks net interest income?