A risk manager is considering a HKD 400 million loan that will be fully funded by deposits paying an average annual interest rate of 1.0%. The risk manager has estimated the following regarding the loan:

Expected annual revenue:	HKD 16 million
Expected loss:	HKD 1.0 million
Unexpected loss:	HKD 48.0 million
Economic capital required:	HKD 47.0 million
Annual operating expenses:	HKD 2.0 million

Assuming the economic capital can be invested so that it earns 2% per year, the risk manager correctly calculates the risk-adjusted return on capital (RAROC) to be 21.1%. Assuming nothing else changes, which of the following would increase the RAROC estimate the most?