Bank XYZ expects its loan portfolio to grow by 20% during 2019. The bank decides to set its allowance / provision for loan losses at 2% of total loans at the end of the year (total loans = 2 billion EGP). During the year, the bank expects to charge off 15 million EGP. Its allowance for loan losses was 35 million at the beginning of 2019. What is the amount of new loan loss provision the bank should build in 2019?