please explain

3. Consider the following asset and liability structure: Country Bank Asset: $10 million in one-year, Fixed-rate commercial loan Liability: $ 10 million in a three-month CD City Bank Asset: $10 million in three-year, Fixed-rate commercial loan Liability: $ 10 million in a six-month CD a. Calculate each bank's three-month, six-month, and one-year cumulative GAP. b. Which bank has the greatest interest rate risk exposure as suggested by each GAP measure? Consider the risk position over the different intervals