With the recent Q1 result announcement at 8.37 cents a share. The PE is stable and we believe the growth is inline again. With its target growth and renew intension to obtain bank license. We feel that EPF and MBSB is trying to create and unlock a strong value in the coming years. Together with its dividend reinvestment plan practise started. It will provide a better price stability to the counter. We call for a buy now with TP at RM 3.00 above.