Results for Q2 was very disappointing as net profits were down 5.7%, this was much below market's expectation and we saw UOB getting sold down 4% in morning trading. Overall 1st half earnings were down 2.1% and I think we could see UOB posting a weak full year 2015 of maybe flat earnings to down 5% in overall earnings, given the weakness... its stock price may continue to stay depressed for sometime before recovering in 2016. The big drag in earnings came from the GMIM segment which is global markets and investment management, their core markets like Thailand and Malaysia are also facing difficult times. A weird move by management, the dividend payout was bumped up to 35 cents... almost twice the amount seen from the regular 20 cents mid year dividends we used to get. Over the last 2 years, full year dividends were maintained at 75 ......