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a lot of people might be asking okay uh healthy npl um do you have a benchmark for npl that if it goes below this okay red flag if itamp;#39;s above this uh Iamp;#39;m okay Iamp;#39;m okay still well right now I donamp;#39;t really have a benchmark for it but you can easily compare the banks uh the banks that are listed in the stock market so you can Benchmark that way if you see One Bank uh having uh lower npls um you can compare that with another bank then itamp;#39;s itamp;#39;s one way of saying that this back might be more selective when it comes to uh where they lend their money to and that can be a great measure of their of their strength of their stability of the controls that they enforce uh internally thank you if there is no docHub movement downward movement in terms of the inflation rate they might even consider racing uh interest rates again so we can reasonably expect the market to to slow down so what we typically advise our clients is to of course aga