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3.5 will not come unless recession happen.
but as a business man ,vaccine arrival it help to build economy. Next half year will be strong recovering .
As PBB NTA is increasing from year to year.
Price should be increasing year to year.
Yes u feel they din change their way of investing. Means they are strong on SOP they have set down. that's the reason why share price do not fluctuate like other bank.
Share price will return back to 2018 share price or higher due to NTA increase.