The lending division of AusBank originates a 5-year, $10 million loan and charges the borrower 5% p.a.Simultaneously, AusBank's funding division issues $10 million in 1-year CDs paying 2.5%.AusBank could have chosen to invest in 5-year Treasury Bonds paying 3.5% p.a., and investors could acquire 1-year treasury securities that pay 2%.Calculate the value in percent of the net interest margin and its 3 components or spreads.

Net Interest Margin:(0.5 marks)

Credit Spread:(0.5 marks)

Interest rate risk spread:(0.5 marks)

Funding spread:(0.5 marks)