The balance sheet of FIN333 Bank appears below. All figures in billion of Thai Baht.

Assets		Liabilities and Equity
Short-term consumer loans (one-year maturity)	115	Equity capital (fixed)	110
Long-term consumer loans	110	Demand deposits (two-year maturity)	180
Three-month Treasury bills	160	Passbook savings	135
Six-month Treasury notes	155	Three-month CDs	175
Three-year Treasury bond	170	Three-month commercial paper	135
10-year, fixed-rate mortgages	120	Six-month commercial paper	160
30-year, floating-rate mortgages (rate adjusted every nine months)	155	One-year time deposits	90
		Two-year time deposits	40
	985		985

Total one-year rate-sensitive assets is .00 billion Baht. (Answer in a whole number without decimal point.)

Total one-year rate-sensitive liabilities is .00 billion Baht. (Answer in a whole number without decimal point.)

The cumulative one-year repricing gap (CGAP) for the bank is .00 billion Baht. (Answer in a whole number without decimal point.)

The gap ratio is %. (Round your answers to 2 decimal places. Do not include the percentage sign (%).)

Suppose that interest rates on RSAs and RSLs rise by 40 and 60 basis points, respectively. The expected annual change in net interest income of the bank is billion Baht. (Round your answers to 2 decimal places.)

The spread effect is (smaller / greater) than the CGAP effect.