Your FI is planning to make a loan of 500,000,000 million Baht. You expect to charge a servicing fee of 12.5 basis points. The loan has a maturity of 10 years with a duration of 8.5 years. The cost of funds (the RAROC benchmark) for the bank is 8.75 percent. The bank has estimated the maximum change in the risk premium to be approximately 5 percent, based on historical data. The current market interest rate for loans is 12 percent. For this loan to be approved, the duration of the loan should be years. (Round your answers to 2 decimal places.) Assuming that you cannot adjust the duration of the loan, you need to increase interest and fee income by basis points to make the loan acceptable. (Round your answers to 2 decimal places.)