A bank has 1 billion of assets, and 100 million of equity on its balance sheet. The ROA (equal to profit margin times asset utilization) of the bank is expected to be 1.25%. last year (a typical year from which to base forecasts) the bank reported a Net Income of 12.5 million, paying out 7.5 million in dividends and retaining the remaining 5 million. Calculate the bank's internal expansion or internal capital generation (growth rate)