A bank has a profit margin of 5 percent, an asset utilization ratio of 11 percent, a target capital ratio of 8 percent, and a retention ratio of 60 percent. 

Note that:

ROA = Profit Margin X Asset Utilisation Ratio

Retention Ratio + Dividend Payout Ratio = 100%

What is this bank's Internal Capital Generation Rate? (NOTE: By default, the unit of the answer is %. The answer must be input with two (2) decimal places, i.e. if the answer is 12%, please input 12.00)