(b)A&A isa new business client for Citibank Malaysia and has asked for a one-year, RM20 million loan at an annual interest rate of 8%. The company plans to keep a 3 %, RM5 million commercial deposit with the bank for the loan's duration. The loan officer in charge of the case recommends at least a 4% annual before-tax rate of return over all the costs.

Using customer profitability analysis (CPA), the loan committee hopes to estimate the following revenues and expenses which it will project using the amount of the loan requested as a base for the calculations: