CBA Bank (an Australian bank) issues a one-year Australian certificate of deposit (CD) to finance a US$1 million investment in one-year fixed-rate US bonds. The interest rate of AU$ CD is 5% per annum and the yield to maturity of the US bond is 10% per annum. Currently, spot exchange rates are AU$1.28 per US dollar. What will be the net profit or loss to the bank (rate of return from investment-cost of financing) if the exchange rate falls to AU$1.22 per US dollar in one year?