Another bank Iam watching keenly is DTB. It is well run and I expect their full year results to be at a minimum 40% plus.
The valuation at current prices is cheap, so expect a decent return towards year end. It has been trading btn 105 - 110 range but it is slowly edging up - closed at 113 today.
Time is money, so money is time. Money saved is time gained in reverse! Money stores your life’s energy. You expend your energy, get paid money, and store that money for a future purchase made in a currency.