3. Practical exercises (30 marks) 3.1 (5 marks) The National Wealth Bank determines from an analysis on its deposits that account processing and other operating expenses cost the bank VND 0,08 million per month. It has also determined that its non-operating expenses on its deposits are VND 0.05 per month The bank wants to have a profit margin, which is 10 percent of monthly costs. What monthly fee should this bank charge on its deposit accounts? 3.2 (5 marks) Ms. Hos asks for a VND 1.5 billion loan for one year. The bank tells her that they will give her VND 1.405 billion immediately and deduct VND 195 million in interest up front. What is the effective rate of interest on this loan? 3.3 (5 marks) The Eagle Bank has determined that its marginal cost of raising funds is 4.5 percent and that its non-funds costs to the bank are 0.5 percent. It has also determined that its margin to compensate the bank for default risk for a particular customer is 0.3 percent. It has also determined that it wants to have a profit margin of 0.3 percent. If this customer wants to borrow VND 25 billion, how much in total interest costs will this customer pay in one year