Sounds good and I can see where you're coming from but I think doesn't fully recognise the nature of the market ie it's probably more a cross between a 'Emerging' and 'Frontier' market on that front with a large population of 'Unbanked' and there's high expectation from Government as far as the 'social' obligation of commercial Banks is concerned.
New tax rate from 30% to 45% for KSL, page-16
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