Regulated Lending Corp., a depository institution regulated by the Fed, has the below segments in its loan portfolio. Its cost of funding is 2.00%. (All rates are per annum.) It has 30 billion in Tier 1 regulatory capital and must maintain an 8% Tier 1 capital ratio. . 500 billion in high grade loans at 20% risk weight (RW), 3.25% interest, and a 0.20% expected loss (EL) 200 billion in A-rated quality loans at 50% RW, 4.75% interest, and a 0.40% EL 100 billion in BBB quality loans at 100% RW, 5.50% interest, and a 0.8% EL 75 billion in low credit quality loans at 150% RW, 9.00% interest, and a 4.25% EL . What is the return on regulatory capital for the A-rated quality loans if they have the proper amount of Tier 1 capital backing them? (State the answer in percentage points to the nearest 0.01, so 5.25% would be "5.25.)