A bank is using the RAROC to evaluate large business loans. The benchmark rate of return is 7.55 percent. The cost to service the loan is 0.3 percent and the spread over the cost of funds is 0.6 percent. If the loan defaults, 92 percent of the money lent will be lost. Based on historical default rates, the extreme worst-case loss scenario is 5 percent. Should the bank make the loan? Why or why not