A Swiss bank converted 1 million Swiss francs to Euros to make a euro loan to a customer when the exchange rate was 1.85 francs per euro. The borrower agreed to repay the principle plus 3.75% interest in 1 year. The borrower repaid Euros at loan maturity and when the loan was repaid the exchange rate was 1.98 francs per EURO What was the bank's franc rate of return?