This a poorly managed entity,Quarterly result are like a roller coster one Quarter it is up and the next it down with no consistency with impairment after impairment,write off and new business venture expenditure. The only positive is more then 60% share are own by two biggest institutions in the country and trading at 30% discount from it par value of 1 ringgit This could be the cheapest banking stock in the whole of Asia at a discount.It take decades before it can even come close to BIMB