management 2019s discussion and analysis 82 jpmorgan chase & co./2015 annual report net interest income excluding markets-based activities ( formerly core net interest income ) in addition to reviewing net interest income on a managed basis , management also reviews net interest income excluding cib 2019s markets-based activities to assess the performance of the firm 2019s lending , investing ( including asset-liability management ) and deposit-raising activities .
the data presented below are non-gaap financial measures due to the exclusion of cib 2019s markets-based net interest income and related assets .
management believes this exclusion provides investors and analysts with another measure by which to analyze the non-markets-related business trends of the firm and provides a comparable measure to other financial institutions that are primarily focused on lending , investing and deposit-raising activities .
net interest income excluding cib markets-based activities data year ended december 31 , ( in millions , except rates ) 2015 2014 2013 net interest income 2013 managed basis ( a ) ( b ) $ 44620 $ 44619 $ 44016 less : markets-based net interest income 4813 5552 5492 net interest income excluding markets ( a ) $ 39807 $ 39067 $ 38524 average interest-earning assets $ 2088242 $ 2049093 $ 1970231 less : average markets- based interest-earning assets 493225 510261 504218 average interest- earning assets excluding markets $ 1595017 $ 1538832 $ 1466013 net interest yield on average interest-earning assets 2013 managed basis 2.14% ( 2.14 % ) 2.18% ( 2.18 % ) 2.23% ( 2.23 % ) net interest yield on average markets-based interest-earning assets 0.97 1.09 1.09 net interest yield on average interest-earning assets excluding markets 2.50% ( 2.50 % ) 2.54% ( 2.54 % ) 2.63% ( 2.63 % ) ( a ) interest includes the effect of related hedging derivatives .
taxable-equivalent amounts are used where applicable .
( b ) for a reconciliation of net interest income on a reported and managed basis , see reconciliation from the firm 2019s reported u.s .
gaap results to managed basis on page 80 .
2015 compared with 2014 net interest income excluding cib 2019s markets-based activities increased by $ 740 million in 2015 to $ 39.8 billion , and average interest-earning assets increased by $ 56.2 billion to $ 1.6 trillion .
the increase in net interest income in 2015 predominantly reflected higher average loan balances and lower interest expense on deposits .
the increase was partially offset by lower loan yields and lower investment securities net interest income .
the increase in average interest-earning assets largely reflected the impact of higher average deposits with banks .
these changes in net interest income and interest-earning assets resulted in the net interest yield decreasing by 4 basis points to 2.50% ( 2.50 % ) for 2014 compared with 2013 net interest income excluding cib 2019s markets-based activities increased by $ 543 million in 2014 to $ 39.1 billion , and average interest-earning assets increased by $ 72.8 billion to $ 1.5 trillion .
the increase in net interest income in 2014 predominantly reflected higher yields on investment securities , the impact of lower interest expense , and higher average loan balances .
the increase was partially offset by lower yields on loans due to the run-off of higher-yielding loans and new originations of lower-yielding loans .
the increase in average interest-earning assets largely reflected the impact of higher average balance of deposits with banks .
these changes in net interest income and interest- earning assets resulted in the net interest yield decreasing by 9 basis points to 2.54% ( 2.54 % ) for 2014. .

Year ended December 31,(in millions, except rates)
2015
2014
2013
Net interest income – managed basis<sup>(a)(b)</sup>
$44,620
$44,619
$44,016
Less: Markets-based net interest income
4,813
5,552
5,492
Net interest income excluding markets<sup>(a)</sup>
$39,807
$39,067
$38,524
Average interest-earning assets
$2,088,242
$2,049,093
$1,970,231
Less: Average markets-based interest-earning assets
493,225
510,261
504,218
Average interest-earning assets excluding markets
$1,595,017
$1,538,832
$1,466,013
Net interest yield on average interest-earning assets – managed basis
2.14%
2.18%
2.23%
Net interest yield on average markets-based interest-earning assets
0.97
1.09
1.09
Net interest yield on average interest-earning assets excluding markets
2.50%
2.54%
2.63%

management 2019s discussion and analysis 82 jpmorgan chase & co./2015 annual report net interest income excluding markets-based activities ( formerly core net interest income ) in addition to reviewing net interest income on a managed basis , management also reviews net interest income excluding cib 2019s markets-based activities to assess the performance of the firm 2019s lending , investing ( including asset-liability management ) and deposit-raising activities .
the data presented below are non-gaap financial measures due to the exclusion of cib 2019s markets-based net interest income and related assets .
management believes this exclusion provides investors and analysts with another measure by which to analyze the non-markets-related business trends of the firm and provides a comparable measure to other financial institutions that are primarily focused on lending , investing and deposit-raising activities .
net interest income excluding cib markets-based activities data year ended december 31 , ( in millions , except rates ) 2015 2014 2013 net interest income 2013 managed basis ( a ) ( b ) $ 44620 $ 44619 $ 44016 less : markets-based net interest income 4813 5552 5492 net interest income excluding markets ( a ) $ 39807 $ 39067 $ 38524 average interest-earning assets $ 2088242 $ 2049093 $ 1970231 less : average markets- based interest-earning assets 493225 510261 504218 average interest- earning assets excluding markets $ 1595017 $ 1538832 $ 1466013 net interest yield on average interest-earning assets 2013 managed basis 2.14% ( 2.14 % ) 2.18% ( 2.18 % ) 2.23% ( 2.23 % ) net interest yield on average markets-based interest-earning assets 0.97 1.09 1.09 net interest yield on average interest-earning assets excluding markets 2.50% ( 2.50 % ) 2.54% ( 2.54 % ) 2.63% ( 2.63 % ) ( a ) interest includes the effect of related hedging derivatives .
taxable-equivalent amounts are used where applicable .
( b ) for a reconciliation of net interest income on a reported and managed basis , see reconciliation from the firm 2019s reported u.s .
gaap results to managed basis on page 80 .
2015 compared with 2014 net interest income excluding cib 2019s markets-based activities increased by $ 740 million in 2015 to $ 39.8 billion , and average interest-earning assets increased by $ 56.2 billion to $ 1.6 trillion .
the increase in net interest income in 2015 predominantly reflected higher average loan balances and lower interest expense on deposits .
the increase was partially offset by lower loan yields and lower investment securities net interest income .
the increase in average interest-earning assets largely reflected the impact of higher average deposits with banks .
these changes in net interest income and interest-earning assets resulted in the net interest yield decreasing by 4 basis points to 2.50% ( 2.50 % ) for 2014 compared with 2013 net interest income excluding cib 2019s markets-based activities increased by $ 543 million in 2014 to $ 39.1 billion , and average interest-earning assets increased by $ 72.8 billion to $ 1.5 trillion .
the increase in net interest income in 2014 predominantly reflected higher yields on investment securities , the impact of lower interest expense , and higher average loan balances .
the increase was partially offset by lower yields on loans due to the run-off of higher-yielding loans and new originations of lower-yielding loans .
the increase in average interest-earning assets largely reflected the impact of higher average balance of deposits with banks .
these changes in net interest income and interest- earning assets resulted in the net interest yield decreasing by 9 basis points to 2.54% ( 2.54 % ) for 2014. .

Question: Analyse this data from a financial earnings document. assuming a 1% ( 1 % ) increase in the 2015 interest yield on managed interest-earning assets , what would the three year average yield improve to?
Choices:
2.18
0
72.83
1.85
1.86
Correct choice index: 3