A bank has a profit margin of 5 percent, an asset utilization ratio of 11 percent, an equity multiplier of 12, and a retention ratio of 60 percent. What is this bank's ICGR? A. 6.60 percent B. 3.96 percent C. 7.20 percent D. 0.33 percent E. None of the options is correct. I want to know why is the answer B how do we solve it?