Tell us more about, double click on that wealth management theme and what kind of trend the Malaysian banks are seeing.

Sure.

So in terms of similarities between Singapore and Malaysia, thematically, there is quite a bit of similarity in the sense that wealth management is something that seems to be growing.

Malaysia banks have been putting a great deal more focus on on generating more revenue per customer business particularly cross-selling products like again back down to wealth management products so your insurance unit trusts any kind of investment products like structured products as well um these in in terms of income contribution wealth management incomes broadly made up around 23 of non-interest income If real estate compared against the Singapore banks, that number is about 31%.

So it's pretty much an 8 percentage point difference.

The scale is definitely quite different between Singapore and Malaysia by virtue of Singapore's status as a safe haven.

haven jurisdiction.

I mean, what for you were the other factors that contributed positively to all the earnings?