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. .

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Row 1: year ended december 31 ( in millions except rates ), 2015, 2014, 2013
Row 2: net interest income 2013 managed basis ( a ) ( b ), $ 44620, $ 44619, $ 44016
Row 3: less : markets-based net interest income, 4813, 5552, 5492
Row 4: net interest income excluding markets ( a ), $ 39807, $ 39067, $ 38524
Row 5: average interest-earning assets, $ 2088242, $ 2049093, $ 1970231
Row 6: less : average markets-based interest-earning assets, 493225, 510261, 504218
Row 7: average interest-earning assets excluding markets, $ 1595017, $ 1538832, $ 1466013
Row 8: net interest yield on average interest-earning assets 2013 managed basis, 2.14% ( 2.14 % ), 2.18% ( 2.18 % ), 2.23% ( 2.23 % )
Row 9: net interest yield on average markets-based interest-earning assets, 0.97, 1.09, 1.09
Row 10: net interest yield on average interest-earning assets excluding markets, 2.50% ( 2.50 % ), 2.54% ( 2.54 % ), 2.63% ( 2.63 % )
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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: assuming a 1% ( 1 % ) increase in the 2015 interest yield on managed interest-earning assets , what would the three year average yield improve to?
Program: subtract(2.14, 1), add(#0, 2.18), add(#1, 2.23), divide(#2, const_3)
Answer: 1.85