TestBank is a web$-$based bank that provides loans to students who need funds to pay for professional and trade certification examination fees. The bank currently has a loan portfolio of $$100$ million and $$200$ million of pass$-$through loans. All else equal, how much will the annual banks profits before income tax increase if following a change in bank policies there is:

an increase of interest spreads of $0\mathrm{.}16\%$

an increase in the fees on the loan portfolio of $0\mathrm{.}07\%$

an increase in provision for credit loss of $0\mathrm{.}02\%$

a decline in servicing fees on pass$-$through loans of $0\mathrm{.}04\%$

an increase in annual operating expenses of $$0\mathrm{.}03$ million

Express your answer in $ millions to two decimal places e$.$g$.$ $$0\mathrm{.}47$ million should be expressed as $0\mathrm{.}47$