Ann: Ibanera - Baltic Banking & Probanx integrate CorePlus & Cor, page-25

Long term holder, topped up several times at a lower prices recently & have finally gone into the black. (Well & truly)
Have held for a couple of years.
Even when SP was declining had trust in management & the changing expectation of governments & banks. Wanted to be in a stock that had an exceptional product that would be required by the changing rules and regulations. The product range has now expanded & IMO will continue to do so. 
I don't think it matters when you decided to invest in these shares you will be a winner. 
Sit back, cope with the ride & the returns / dividends should follow. 
Obviously no guarantee. Just my thoughts.