How to Analyze a Headwinded Business

The deposit franchise is generally the most coveted part of any bank. And we could see that even though it was going through those challenges of a loan growth having slowed down bad loans, they had to make very large provision. So then you'll start as I think that is this competitive advantage good enough for this bank to make a comeback in the future. It's more than I mean compared to let's say growth stories in contour you require a higher degree of patience. That's very, very clear. But let me hear your next question or reaction to this and I could probably take a moment here.