5. The duration of a soon to be approved loan of $10 million is four years. The increase in interest rate for bonds belonging to the same risk category of the loan has been estimated to be 5.5 percent. The current average level of interest rates for this category of bonds is 12 percent. The fee income on this loan is 0.4 percent and the spread over the cost of funds to the bank is 1 percent. (1) ( What is the estimated risk-adjusted return on capital (RAROC) of this loan