A bank has made a loan charging a base lending rate of $10$ percent. It expects a probability of default of $5$ percent. If the loan is defaulted, the bank expects to recover $51$ percent of its money through the sale of its collateral. What is the expected return on this loan?

Convert your answer to percentage format. Enter your answer rounded to $2$ decimals, and without any units. So$,$ for example, if your answer is $3\mathrm{.}4568\%,$ then just enter $3\mathrm{.}46.$