A bank has a net profit margin of 5.25 percent. It has an asset utilization ratio of 45 percent and has an equity multiplier of 12. It retains 40 percent of its earnings each year. What is this bank's internal capital growth rate? A. 28.35 percent B. 2.36 percent C. 11.34 percent D. 4.80 percent E. None of the options is correct.