Not even 20% growth in PBT... Some banks are going to report a rough 2013. And so in 2014, expect some 'consolidation' i.e. reduction in staff, slowdown in new branch openings, slower EAC expansion... and some Capital Raising... including Rights Issues & Bonds.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett