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Suppose the management of a depository institution is expecting a rise in market interest rates over the next three months. Currently deposits can be sold

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Suppose the management of a depository institution is expecting a rise in market interest rates over the next three months. Currently deposits can be sold to customers at a promised interest rate of 5 percent. However, management is fearful that deposit interest rates may rise at least one-half of a percentage point (50 basis points) in the next three months, possibly eroding the profit margin of loan revenues over deposit costs. For example, if a depository institution needed to raise $100 million from sales of deposits over the next 90 days, its marginal cost of issuing the new deposits at a 5 percent annual rate would be as follows: 1. 1) Amount of added fund-raising costs (and potential loss in profit): (3 Points) 2) Today: Sell 100 90-day Eurodolla r futures contracts trading at an IMM Index of 92.5 (3 Points) Within next 90 days: Buy 100 90-day Eurodollar futures contracts trading on the day of purchase at an IMM Index of 92 (3 Points) 3) Suppose the management of a depository institution is expecting a rise in market interest rates over the next three months. Currently deposits can be sold to customers at a promised interest rate of 5 percent. However, management is fearful that deposit interest rates may rise at least one-half of a percentage point (50 basis points) in the next three months, possibly eroding the profit margin of loan revenues over deposit costs. For example, if a depository institution needed to raise $100 million from sales of deposits over the next 90 days, its marginal cost of issuing the new deposits at a 5 percent annual rate would be as follows: 1. 1) Amount of added fund-raising costs (and potential loss in profit): (3 Points) 2) Today: Sell 100 90-day Eurodolla r futures contracts trading at an IMM Index of 92.5 (3 Points) Within next 90 days: Buy 100 90-day Eurodollar futures contracts trading on the day of purchase at an IMM Index of 92 (3 Points) 3)

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