At this point...close to none, I cant see just where the growth will actually come from with HSBS. If it has relied on the PRD for growth then I can see some very large issues namely in the credit quality of customers. One very large issues is that of not incentivising its MRT, how will people who job is it to generate revenue be actually concerned with generating revenue? Without this the bank is in real trouble, and how to keep them. It really needs to start laying off people and not suspending its restructure but accelerating it.