In the year 2020, Ummah Bank earned annual profit attributable to Unrestricted Mudharaba account before distribution of profit to the bank amounting to $10,000,000. Depositors' profit sharing ratio is 80% and Bank is 20%. The following is information pertaining to deposit types, average balance and the weight used for Mudharaba deposit account for the bank in the year 2020. Investments tenure Average balance Weights 6 months and less 12,000,000 0.65 9 months and less 20,000,000 0.80 0.95 12 months and loss 30,000,000 More than 12 months 15,000,000 How much is the rate of return (ROA) for the 12 months and loss investments tenuto? 1.15 13 OS 19.9% 10 93%