Portfolio Lender valuation

I am trying to figure out a valuation analysis for a jumbo bank loan and was given the following information:

$1,000,000 loan amount, 3.125%, fully amortizing

Expense assuptions are: cost of funds 50bps, option cost 36 bps, servicing 25 bps, origination and loss 20 bps, spread of 2.3%.

Disc rate 5%

36 month life of loan

I am missing something as I am trying to determine the NPV and ROE…suggestions

Is it a 36 month term, or 36 month am? Those are completly different – it could be 3 year term, 20 year am for example.