RONAVReturn on Net Asset Value
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of 15.0 per cent; QNB, DBK 85 per cent-90 per cent liquidity ratio, CBQ less than 100 per cent and e) earnings recovery FY10-12E with CBQ's RONAV improving from 17 per cent to 21 per cent 10-12E and DBK's from 18 per cent to 22 per cent.