Suppose that you are a manager of a bank that has $25 million of fixed-rate assets, $40 million of rate-sensitive assets, $35 million of fixed-rate liabilities, and $30 million of rate-sensitive liabilities.Conduct a gap analysis for the bank and show what will happen to bank profits if interest rate falls by 6 percentage points.What actions can you take to reduce the bank's interest rate risk in the future?