need explanatioon please

EXAMPLE 8-3 Combined Impact of CGAP and Spread Effect on Net Interest Income Suppose that for the Fl in Table 8-2, Interest rates fall by 1 percent on RSAS and by 1.2 percent on RSL Now the change in Nil is calculated as ANII = ($155 million x(-0.01)] - [$140 million x 6-0.012) =-$1.55 million - (-$1.68 million) = $0.13 million or $130,000 Even though the CGAP effect (le, RSA > RSL) is putting negative pressure on Nit (in Example 8-1, the CGAP effect of a 1 percent decrease in the rate on both RSAS and RSLS produced a decrease in Nil of $150,000), the increase in the spread, and the resulting spread effect, is so big that Nill increases by $130,000