help. please and thank you

3. A bank has $100 million in one-year loans earning a fixed rate equal to 5.75 percent. The assets are funded by $100 million in liabilities that have a cost of 5.25 percent and a maturity of three years. If the interest rate is projected to fall 100 basis points (1%) by next year, by how much will the bank's NIM change in year 2? Does this bank face refinancing risk or reinvestment risk? Explain (10 points)