Suppose that the interest rates decrease by 25 basis points for the RSA's ($280 million) and decrease by 50 basis points for the RSL's ($420 million). The expected annual change in NII of the bank would be: ANII - (RSA)(ARRSA) - (RSLARRSL) -$1,400,000 $1,400,000 O-$2,800,000 $2,800,000