A bank charges an interest rate of 0.08 per annum on a loan, and there is no other fee charged. Its cost of
obtaining the funding for this loan is 0.06 per annum. According to the historical data, 0.4 of borrowers with similar characteristics defaulted when there was an adverse credit scenario, and typically the lenders were able to recover only 0.6 of loan amount on average once borrowers defaulted in those adverse credit scenarios. What is the Risk-Adjusted-Return-on-Capital of this loan if we use historical loan loss under the adverse credit scenario as the estimate of loan risk? Please express your answer in decimals (not in percentage points) and round your answer to the nearest 2nd decimal.