its ceo keith wu joins us now. great to have you with us.ost recent results. tell us about the challenges and the bright spots you saw in your latest reporting season. hi keith, do you have us? i was just asking you to explain the bright spots and challenges you saw in your last reporting season. right, we will try to come back to keith wu and talk about his sunlight reit. in the meantime, hong kong listed chinese bank stocks are down this year. they have never been this cheap. let's look at why with bloomberg's china market senator. what has been pressuring chinese bank stocks? >> this has been a several year pressure point for the sector. started a few years back with xi jinping's deleveraging efforts. the pandemic obviously has increased things further. there was a call several months ago for major banks to cut their profitability. there has also been low interest rates not only around the world, but also in china. bad loans are at record high levels in china. there are a confluence of issues pressuring the sector in addition this year to