Thought about structured product

I’m getting this offer from my relation manager, a whopping 22% return p.a for this structured product.

I’m trying to understand the logic for such high return here – for anyone with experience, does that mean that from the bank’s standpoint, it’s almost certain that the stock will hit the KI price within 6 months time?

NVIDIA Corp & Micron Technology Inc

Strike/KO/KI (%): 100/105/75

Monthly KI Observation
Coupon p.a./Tenure: 22.1% p.a./ 6 mth