deal, haven't the NPL's gone down? I maintain that banks will grow with the economy. But yes, you're right, the growth from next year may not be as spectacular as we are seeing today. What's your take on the effect agency banking will have on their performance? What of innovations such as Orange Money? Real Estate is still booming and the funding of mega-projects will be undertaken by banks. So I would say the banking sector still looks good

Liquidity ratios, core capital among others are some of the criteria used in ranking Banks. Perhaps they have stronger points here.