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a 2. A bank makes a 30 year Fully Amortizing FRM for $1,500,000 at an annual interest rate of 5% compounded monthly, with monthly payments. Suppose inflation is 2% per year, compounded monthly. What is the real value of the 120th payment? 3. Assume the initial rate on a 1/1 ARM is 11.50%. The loan has a margin of +265 basis points above Libor. In one year after the loan is originated, the Libor is 9.5%. What is the fully indexed rate on the loan in one year? 4. Suppose a bank pays depositors 0.40% on their checking deposits. The same bank makes mortgages at 3.50%. What is the bank's Net Interest Margin (NIM)