An investor purchases a 3 year, 5% annual coupon bond at $96.804218 per $100 of par value and sells it 1 year later. The bonds yield-to-maturity goes up from 6.20% to 6.96% after the purchase. What is the realised rate of return? Express your answer as a percentage and correct to 2 decimal places. eg not 0.0625 but 6.25