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What is the effective annual interest rate (EFF or EAR) on a 14.99% annual percentage rate on CitiGroup credit card which requires monthly payments on outstanding balances? Please round your answer to the 2nd decimal place after converting into percent terms. Also please note that I am asking you for the EFF or EAR in percentage terms and not the amount of the monthly payment.
Effective Annual Rate (EFF in %) =
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Has it cut costs and increased its net income in this amount, by how much would the ROE have changed?
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