Net profits for Q2 were up 14%, which beat analyst estimates by a wide margin... I myself was only expecting to see 5-10% growth   For the first half of 2015, Net profits were up 12% which is very decent. I expect full year earnings to be up around 10%, likely another good year for banks as they are a good proxy to Asia's growing economy.   Net interest margin, which is the spread they earn between borrowing and lending. NIM rebounded to 1.67% and with long term interest rates set to move up... I think we may see it moving towards 2% in the 2-3 years to come.       Investors are worried of another financial crisis, so its important to look at the bank's loan books. As you can see Housing loans make up close to 1/4 of customer loans, so this is the area that we wanna keep an eye ......