QUESTION FIVE (20 Marks) a) Calculate the rate of capital gain or loss on a ten-year zero coupon bond which the interest rate has increased from 12% to 15%. The bond has a face value of Tshs. 1,000,000.00 ( 8 Marks) b) A manager of a financial institution is holding 35% of a portfolio in a bond with a five year duration and 65% in a bond with a ten-year duration. What is the duration of the portfolio? ( 8 Marks) c) Briefly explain the factors affecting interest rate risks of a firm (6 Marks