Cici Bank charges an interest rate of $5\%$ per annum on a loan, and there is another $2\%$ loan origination fee charged. Its cost of obtaining the funding for this loan is $2\%$ per annum. According to the historical data, $73\%$ of borrowers with similar characteristics defaulted when there was an adverse credit scenario, and typically the lenders were able to recover only $75\%$ 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?