A banking institution has issued a 1 year loan commitment of $2 million for an upfront fee of 25 basis points. The back-end fee on the unused portion of the commitment is 10 basis points. The banking institution's cost of funds is 7%, and interest on the loan is 9%. The customer is expected to withdraw 60% of the commitment at the beginning of the year. What is the expected return on this loan? Discuss the take-down risk on the value of this banking institution.