We recommend a graduate buy on MBSB below RM 2.500

We have decided not to go for its right. But today we like MBSB for one reason. They are going for their bank license in 2 years. That align to providing back the greatest return to EPF. By the time when they got the bank license, they can get a better value for RHBCap to merge with the entity. So for us is a buy now.