Thai banks, specifically KBANK, reported rather decent earnings last week hence the straight up move throughout the day and making the month look decent so far. Has the narrative now changed with the banking sector? 3 months ago it was lost of fee income, shown rather obviously with SCB’s #’s, and that NPL’s are going to hit the banks, but with the IFRS9 now postponed until the beginning of 2020 and potentially further, would the sector now be a decent trade?