The XYZ company is analyzing the possibility of depositing its surplus income in a deposit in soles or dollars, for a period of one year, starting on January 2, and for this it takes into account the following information: Bank 1 offers you an effective semester rate in soles of 3.32%. Bank 2 offers you the annual effective rate in dollars of 1%. The bank exchange rate as of January 2 is S/.3.45 per dollar and the estimate as of December 31 is S/.3.73 per dollar. Bank 3 offers you an effective annual rate in soles of 9.75% In which bank would you put these surpluses, in soles or in dollars? Justify your answer indicating why. note: soles is the Peruvian currency