the interest rates at HFCK are down to 16% hence expected higher mortgage uptake but lower interest income if the envisioned uptake is not full throttle. All said and done, main banks will make money in 2013 and beyond. My portfolio remains BoK, COOP, & KQ. Currently buying KQ in bucketloads..
COOP 306,100 ABP 31.96, KEGN 112,100 ABP 10.64, MTNU 131,000 ABP 10.21