Xiaoxiao deposited RMB 20,000 in the bank for three years, with an annual interest rate of 3.50%. How much is the principal and interest payable by the bank to Xiaoxiao when it matures?
笑笑在银行存了20000元人民币，定期三年，年利率是3.50%．到期时银行应付给笑笑本金和利息一共多少元？
<gadget id="calculator">3.5 / 100</gadget>
<output>0.035</output>

<gadget id="calculator">20_000 * 0.035 * 3</gadget>
<output>2_100</output>

<gadget id="calculator">20_000 + 2_100</gadget>
<output>22_100</output>

<result>22_100</result>