Consider the following scenario: an FI charges a 0.5% loan origination fee and imposes an 10% compensating balance requirement to be held as non-interest bearing demand deposits. It further sets aside reserves held at the central bank. The value of these reserves is 6% of deposits. The base lending rate is 11% and the credit risk premium for a specific borrower is 3%. What is the expected return (NOT the gross return) on a loan if the probability of complete loan repayment is 94% (assuming the FI receives nothing in the event of loan default)? (NOTE: By default, the unit of the answer is %. The answer must be input with two 2 decimal places, i.e. if the answer is 12%, please input 12.00)