Exhibit 8.3 Expected Balance Sheet for Hypothetical Bank AssetsYieldLiabilitiesCost Rate sensitive5008.0%6004.0% Fixed rate %2206.0% Non earning Equity 80 Total1000 NII =(0.08x x350)-(0.04x x220) =41.3 NIM =41.3 / 850=4.86% GAP = =-100
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