16000 yuan. Bank interest settlement refers to the bank's settlement of deposit and loan interest at the agreed interest rate according to the amount of deposit and loan in the bank, which is simply interest settlement. The current deposit is 0.4%, which is the annualized rate, that is to say, the current account 1 0,000 yuan, and the interest will be settled in 40 yuan in one year. According to the interest settlement of 1 yuan, that is, 1 ,000 yuan divided by 40 equals 250 yuan, it can be calculated that the loan with an interest settlement of 400 yuan is 1, 600 yuan. Loans refer to banks and other financial institutions lending money to groups that use money. Interest and repayment date were agreed when borrowing money.