A bank charges an interest rate of 0.08 per annum on a loan, and there is no other fee charged. Its cost of obtaining the funding for this loan is 0.06 per annum. According to the historical data, 73% of borrowers with similar characteristics defaulted when there was an adverse credit scenario, and typically the lenders were able to recover only 70% of loan amount on average once borrowers defaulted in those adverse credit scenarios. What is the Risk-Adjusted-Return-on-Capital of this loan if we use historical loan loss under the adverse credit scenario as the estimate of loan risk? (Instruction: please express your answer in decimals (not in percentage points) and round your answer to 2 decimals.)