Dividend Payout % = above 18% on average PE =20.4 (17 good PE) BV and EPS increasing YoY (+ve) Capital Adequacy Ratio= 18.8%(+ve) Compare to 10 year compounded growth , sales of profit.. 5 yrs and 3 yrs decreasing (-ve) NIM- 3.9%(+ve) CASA - 45.6%(+ve) NET NPA -0.4%