UTT has ROA of $7\mathrm{.}57\%$ and ROE of $15\mathrm{.}90\%.$ The retention ratio is $70\%.$ What is the internal growth rate?

$3\mathrm{.}57$ percent

$2\mathrm{.}87$ percent

$2\mathrm{.}32$ percent

$5\mathrm{.}60$ percent

$4\mathrm{.}94$ percent