Interest rate risk

Eric.Hornick@CentreSolutions.Com
Fri, 30 Apr 1999 09:40:49 -0400

Ok--I've reached page 30 of 99-10-20B--the last two pages of the last
Feldblum study note...and I have a problem I don't understand.

The simplified "Exhibit 3", shows assets at a book value using a 1.05 and a
shocked value of 1.07 but the assets go 1.06 to 1.07.

Can anyone explain the logic here or is this simply an error? It seems like
you're trying to demonstrate a 100 bp swing (based on the assets) but on
the liab side you're starting with the 1.05 value (from RBC I guess). It
doesn't seem to be a fair comparison.

If market rates went from 20 to 22%, for example you wouldn't want to
compare a 2 point change in assets with a 17 point change in liabs, right?

Am I totally missing the point? Thanks