RS Chart
Assessment - Kospi 50 - 7/01/24 - RS = 8
 ⇐ 
  ⇓instrument freshest ⇓ Δday 7/01/24 ⇓ Δwk 5/06/24  prc diff ⇓ Δ8   ∅-RS
real-time RS chart chart add note Kospi 50 2,453.750  8/12 1.10 2,671.890 -8.16 2,510.980 160.910 6.41   8.25 
real-time RS chart chart L add note SK Hynix 177,000.000  8/12 3.21 235,500.000 -24.84 173,200.000 62,300.000 35.97   61.90 
real-time RS chart chart L add note Amorepacific 120,600.000  8/12 1.34 167,100.000 -27.83 168,700.000 -1,600.000 -0.95   45.47 
real-time RS chart chart L add note Krafton 293,000.000  8/12 -0.51 273,500.000 7.13 251,000.000 22,500.000 8.96   39.53 
real-time RS chart chart add note Kia 102,100.000  8/12 0.20 128,600.000 -20.61 113,900.000 14,700.000 12.91   37.80 
real-time RS chart chart add note KB Financial 82,500.000  8/12 0.73 79,600.000 3.64 73,700.000 5,900.000 8.01   35.15 
real-time RS chart chart L add note Hyundai Motor 243,500.000  8/12 0.21 286,000.000 -14.86 241,000.000 45,000.000 18.67   34.51 
real-time RS chart chart add note Hana Financial 60,500.000  8/12 0.33 60,200.000 0.50 58,000.000 2,200.000 3.79   26.52 
real-time RS chart chart add note Samsung F&M Ins 354,500.000  8/12 1.00 372,000.000 -4.70 301,000.000 71,000.000 23.59   23.68 
real-time RS chart chart add note Posco International 50,700.000  8/12 2.94 63,700.000 -20.41 46,150.000 17,550.000 38.03   22.35 
real-time RS chart chart L add note Doosan Enerbility 18,340.000  8/12 3.67 19,950.000 -8.07 16,550.000 3,400.000 20.54   20.49 
real-time RS chart chart L add note Hyundai Heavy 199,100.000  8/12 -1.44 159,900.000 24.52 128,300.000 31,600.000 24.63   18.78 
real-time RS chart chart add note Shinhan 54,100.000  8/12 0.19 47,850.000 13.06 46,450.000 1,400.000 3.01   18.60 
real-time RS chart chart add note Samsung Life 89,700.000  8/12 -0.33 87,500.000 2.51 83,800.000 3,700.000 4.42   11.09 
real-time RS chart chart add note IBK 13,480.000  8/12 0.37 13,850.000 -2.67 13,660.000 190.000 1.39   9.98 
real-time RS chart chart add note SK Holdings 137,700.000  8/12 0.73 156,800.000 -12.18 160,500.000 -3,700.000 -2.31   9.27 
real-time RS chart chart L add note HD Hyundai Heavy 208,500.000  8/12 -1.65 155,100.000 34.43 133,600.000 21,500.000 16.09   8.84 
real-time RS chart chart add note Celltrion 200,000.000  8/12 2.04 184,100.000 8.64 189,000.000 -4,900.000 -2.59   8.08 
real-time RS chart chart add note Woori Financial 14,750.000  8/12 0.55 14,400.000 2.43 14,130.000 270.000 1.91   7.69 
real-time RS chart chart add note Samsung Electronics 75,500.000  8/12 1.07 81,800.000 -7.70 77,600.000 4,200.000 5.41   7.07 
real-time RS chart chart add note KT 38,000.000  8/12 -0.26 36,900.000 2.98 34,500.000 2,400.000 6.96   6.50 
real-time RS chart chart add note Samsung C&T 142,600.000  8/12 1.06 140,800.000 1.28 146,000.000 -5,200.000 -3.56   6.18 
real-time RS chart chart add note Hyundai Glovis 106,900.000  8/12 0.75 240,500.000 -55.55 183,300.000 57,200.000 31.21   5.39 
real-time RS chart chart add note Samsung Elec-Mech 145,800.000  8/12 1.60 156,000.000 -6.54 151,100.000 4,900.000 3.24   4.37 
real-time RS chart chart add note SK Telecom 54,300.000  8/12 -1.09 51,500.000 5.44 50,800.000 700.000 1.38   2.41 
  ⇓instrument freshest ⇓ Δday 7/01/24 ⇓ Δwk 5/06/24  prc diff ⇓ Δ8   ∅-RS
real-time RS chart chart L add note HMM 17,570.000  8/12 1.15 19,690.000 -10.77 15,310.000 4,380.000 28.61   2.19 
real-time RS chart chart L add note LG HH & HC 340,500.000  8/12 0.59 361,500.000 -5.81 432,000.000 -70,500.000 -16.32   2.16 
real-time RS chart chart add note Hyundai Mobis 218,500.000  8/12 2.82 247,500.000 -11.72 226,000.000 21,500.000 9.51   1.84 
real-time RS chart chart add note Samsung SDS 141,700.000  8/12 0.57 152,900.000 -7.33 158,800.000 -5,900.000 -3.72   1.66 
real-time RS chart chart add note Korea Electric Power 19,300.000  8/12 1.37 19,530.000 -1.18 21,250.000 -1,720.000 -8.09   1.23 
real-time RS chart chart L add note Korea Zinc 518,000.000  8/12 0.78 511,000.000 1.37 463,000.000 48,000.000 10.37   -0.32 
real-time RS chart chart L add note LG Electronics 95,600.000  8/12 1.49 109,600.000 -12.77 92,400.000 17,200.000 18.61   -0.78 
real-time RS chart chart S add note KT & G 100,200.000  8/12 -0.40 87,300.000 14.78 92,100.000 -4,800.000 -5.21   -1.53 
real-time RS chart chart S add note Samsung BioLogics 950,000.000  8/12 -1.04 759,000.000 25.16 771,000.000 -12,000.000 -1.56   -2.93 
real-time RS chart chart S add note LG 78,800.000  8/12 1.03 80,500.000 -2.11 77,100.000 3,400.000 4.41   -4.11 
real-time RS chart chart S add note S-Oil 65,300.000  8/12 -0.61 68,200.000 -4.25 70,300.000 -2,100.000 -2.99   -7.17 
real-time RS chart chart L add note Hybe 172,100.000  8/12 -0.06 200,500.000 -14.16 203,500.000 -3,000.000 -1.47   -10.09 
real-time RS chart chart S add note SK Biopharmaceutical 98,800.000  8/12 7.04 78,900.000 25.22 86,600.000 -7,700.000 -8.89   -10.35 
real-time RS chart chart S add note Kakao 37,100.000  8/12 0.27 41,000.000 -9.51 49,200.000 -8,200.000 -16.67   -14.19 
real-time RS chart chart S add note KakaoBank 21,850.000  8/12 1.39 21,000.000 4.05 25,300.000 -4,300.000 -17.00   -16.23 
real-time RS chart chart S add note Naver 160,300.000  8/12 -2.08 162,900.000 -1.60 194,600.000 -31,700.000 -16.29   -16.88 
real-time RS chart chart L add note NCsoft 183,600.000  8/12 0.33 184,100.000 -0.27 179,700.000 4,400.000 2.45   -17.29 
real-time RS chart chart add note Lotte Chemical 81,500.000  8/12 2.13 112,800.000 -27.75 108,400.000 4,400.000 4.06   -17.35 
real-time RS chart chart S add note Posco Holdings 327,500.000  8/12 0.61 370,500.000 -11.61 403,500.000 -33,000.000 -8.18   -18.97 
real-time RS chart chart add note Samsung SDI 319,500.000  8/12 3.06 367,000.000 -12.94 438,000.000 -71,000.000 -16.21   -19.22 
real-time RS chart chart S add note Posco Future M 208,000.000  8/12 1.22 269,000.000 -22.68 280,500.000 -11,500.000 -4.10   -19.30 
real-time RS chart chart add note SK Innovation 102,000.000  8/12 0.99 115,300.000 -11.54 109,600.000 5,700.000 5.20   -19.46 
real-time RS chart chart S add note LG Energy Solution 328,500.000  8/12 2.02 347,000.000 -5.33 391,000.000 -44,000.000 -11.25   -22.61 
real-time RS chart chart add note LG Chemical 290,000.000  8/12 1.40 355,500.000 -18.42 403,500.000 -48,000.000 -11.90   -26.46 
real-time RS chart chart S add note KakaoPay 24,950.000  8/12 2.67 27,200.000 -8.27 35,800.000 -8,600.000 -24.02   -32.68 
  ⇓instrument freshest ⇓ Δday 7/01/24 ⇓ Δwk 5/06/24  prc diff ⇓ Δ8   ∅-RS
real-time RS chart chart add note EcoPro Materials 85,600.000  8/12 2.76 97,200.000 -11.93 109,800.000 -12,600.000 -11.48   -na- 
 Kospi 50 - 50 out of 50 instruments rated - 7/01/24 / 5/06/24 - 28 did rise, Market-Ratio(8) = 56.00 % 
Stock Exchange Currency: KRW ₩ South Korean won
 
Technical Chart
Kospi 50 RS = 8 - B/S = 30/27
Market Chart
1/06/20 scale up chart 7/01/24
 


Transactions Kospi 50 * S8 - 27/30 (1)
  ⇐ 
L/Sdate buy date selldays instrumentsplpieces prc buyprc sellps shortprc diffd %assetyield 
1/02/06 6/05/06 154    - cash -
short 6/05/06   7/24/06 49  RT RS QC  NCsoft 100  200   49.800  41.200 60.195  10.395 21  12,079 310  
7/24/06 1/07/08 532    - cash -
  1/07/08   1/14/08 7  RT RS QC  NCsoft 100  250   48.300  48.250 48.350  0.050 0  12,092 6  
1/14/08 1/21/08 7    - cash -
  1/21/08   3/17/08 56  RT RS QC  NCsoft 100  250   48.200  43.500 53.408  5.208 11  13,393 95  
3/17/08 6/23/08 98    - cash -
  6/23/08   8/18/08 56  RT RS QC  Lotte Chemical 100  166   80.500  70.900 91.400  10.900 14  15,203 129  
8/18/08 8/25/08 7    - cash -
  8/25/08   9/01/08 7  RT RS QC  Hyundai Heavy 100  65   233.327  215.304 252.859  19.532 8  16,472 6,514  
9/01/08 9/22/08 21    - cash -
  9/22/08   9/29/08 7  RT RS QC  Kangwon Land 100  1,147   14.350  14.450 14.250  -0.100 -1  16,358 -31  
9/29/08 10/06/08 7    - cash -
  10/06/08  12/15/08 70  RT RS QC  Daewoo SB&ME 100  733   22.300  18.800 26.452  4.152 19  19,401 144  
12/15/08 3/02/09 77    - cash -
  3/02/09   3/09/09 7  RT RS QC  IBK 100  3,464   5.600  5.360 5.851  0.251 4  20,269 881  
3/09/09 11/16/09 252    - cash -
  11/16/09  11/30/09 14  RT RS QC  Daewoo SB&ME 100  1,255   16.150  14.350 18.176  2.026 13  22,812 2,078  
11/30/09 2/08/10 70    - cash -
  2/08/10   3/01/10 21  RT RS QC  Samsung Heavy 100  983   23.200  24.650 21.750  -1.450 -6  21,386 -67  
3/01/10 3/07/11 371    - cash -
  3/07/11   3/21/11 14  RT RS QC  Korea Electric Power 100  790   27.050  26.550 27.559  0.509 2  21,789 63  
3/21/11 8/08/11 140    - cash -
  8/08/11  10/03/11 56  RT RS QC  LG Display 100  1,045   20.850  20.050 21.682  0.832 4  22,658 29  
10/03/11 12/19/11 77    - cash -
  12/19/11   1/09/12 21  RT RS QC  Hyundai Heavy 100  82   275.000  289.000 261.000  -14.000 -5  21,510 -60  
1/09/12 5/14/12 126    - cash -
  5/14/12   7/09/12 56  RT RS QC  SK Holdings 100  233   92.300  103.000 81.600  -10.700 -12  19,017 -55  
7/09/12 4/15/13 280    - cash -
  4/15/13   4/29/13 14  RT RS QC  Lotte Chemical 100  117   162.500  159.500 165.556  3.056 2  19,375 63  
4/29/13 6/24/13 56    - cash -
  6/24/13   7/15/13 21  RT RS QC  Lotte Chemical 100  151   128.000  146.500 109.500  -18.500 -14  16,581 -93  
7/15/13 1/27/14 196    - cash -
  1/27/14   2/03/14 7  RT RS QC  Samsung Elec-Mech 100  244   67.900  65.200 70.712  2.812 4  17,267 730  
2/03/14 10/13/14 252    - cash -
  10/13/14  11/03/14 21  RT RS QC  Daewoo SB&ME 100  1,018   16.950  18.800 15.100  -1.850 -11  15,384 -87  
11/03/14 6/15/15 224    - cash -
  6/15/15   8/03/15 49  RT RS QC  Daewoo SB&ME 100  1,072   14.350  7.010 29.376  15.026 105  31,491 20,679  
8/03/15 8/24/15 21    - cash -
  8/24/15   8/31/15 7  RT RS QC  Daewoo SB&ME 100  5,476   5.750  6.730 4.770  -0.980 -17  26,125 -100  
8/31/15 9/07/15 7    - cash -
  9/07/15   9/14/15 7  RT RS QC  Daewoo SB&ME 100  4,000   6.530  7.190 5.870  -0.660 -10  23,485 -100  
9/14/15 12/21/15 98    - cash -
  12/21/15  12/28/15 7  RT RS QC  Daewoo SB&ME 100  4,516   5.200  5.150 5.251  0.050 1  23,713 66  
12/28/15 1/18/16 21    - cash -
  1/18/16   2/01/16 14  RT RS QC  Daewoo SB&ME 100  4,935   4.805  4.105 5.624  0.819 17  27,757 5,965  
2/01/16 6/20/16 140    - cash -
  6/20/16   7/04/16 14  RT RS QC  Samsung SDS 100  182   152.500  142.000 163.776  11.276 7  29,809 542  
7/04/16 9/11/17 434    - cash -
  9/11/17  10/02/17 21  RT RS QC  Korea Aerospace 100  648   45.950  43.700 48.316  2.366 5  31,342 139  
L/Sdate buy date selldays instrumentsplpieces prc buyprc sellps shortprc diffd %assetyield 
10/02/17 2/12/18 133    - cash -
  2/12/18   2/19/18 7  RT RS QC  Korea Electric Power 100  920   34.050  33.100 35.027  0.977 3  32,241 337  
2/19/18 3/05/18 14    - cash -
  3/05/18   3/12/18 7  RT RS QC  Korea Electric Power 100  992   32.500  33.100 31.900  -0.600 -2  31,646 -62  
3/12/18 3/26/18 14    - cash -
  3/26/18   4/02/18 7  RT RS QC  Korea Electric Power 100  1,025   30.850  33.250 28.450  -2.400 -8  29,186 -99  
4/02/18 7/02/18 91    - cash -
  7/02/18   7/09/18 7  RT RS QC  LG Display 100  1,608   18.150  18.850 17.450  -0.700 -4  28,060 -87  
7/09/18 7/16/18 7    - cash -
  7/16/18   7/30/18 14  RT RS QC  Hyundai Heavy 100  288   97.100  107.500 86.700  -10.400 -11  25,065 -95  
7/30/18 10/29/18 91    - cash -
  10/29/18  11/19/18 21  RT RS QC  Amorepacific Group 100  404   61.900  61.400 62.404  0.504 1  25,269 15  
11/19/18 11/26/18 7    - cash -
  11/26/18  12/03/18 7  RT RS QC  Amorepacific Group 100  405   62.300  65.800 58.800  -3.500 -6  23,851 -95  
12/03/18 5/13/19 161    - cash -
  5/13/19   7/01/19 49  RT RS QC  Samsung BioLogics 100  83   285.000  321.000 249.000  -36.000 -13  20,863 -63  
7/01/19 7/29/19 28    - cash -
  7/29/19   8/12/19 14  RT RS QC  Hanwha Life 100  8,312   2.510  2.345 2.687  0.177 7  22,331 489  
8/12/19 1/13/20 154    - cash -
  1/13/20   2/10/20 28  RT RS QC  Hanmi Science 100  606   36.800  34.800 38.915  2.115 6  23,613 107  
2/10/20 2/24/20 14    - cash -
  2/24/20   4/27/20 63  RT RS QC  Hanmi Science 100  779   30.300  27.900 32.907  2.607 9  25,643 61  
4/27/20 8/09/21 469    - cash -
  8/09/21   9/06/21 28  RT RS QC  Celltrion 100  96   266.000  278.500 253.500  -12.500 -5  24,443 -47  
9/06/21 9/13/21 7    - cash -
  9/13/21   9/27/21 14  RT RS QC  NCsoft 100  41   591.000  583.000 599.110  8.110 1  24,776 43  
9/27/21 10/04/21 7    - cash -
  10/04/21  10/18/21 14  RT RS QC  NCsoft 100  41   595.000  596.000 594.000  -1.000 0  24,735 -4  
10/18/21 11/22/21 35    - cash -
  11/22/21  11/29/21 7  RT RS QC  LG HH & HC 100  21   1,170.000  1,113.000 1,229.919  59.919 5  25,993 1,252  
11/29/21 12/13/21 14    - cash -
  12/13/21  12/27/21 14  RT RS QC  Celltrion 100  126   205.000  204.000 206.005  1.005 0  26,120 14  
12/27/21 1/31/22 35    - cash -
  1/31/22   2/28/22 28  RT RS QC  Celltrion 100  172   151.000  159.500 142.500  -8.500 -6  24,658 -53  
2/28/22 3/07/22 7    - cash -
  3/07/22   3/14/22 7  RT RS QC  NCsoft 100  58   424.500  444.500 404.500  -20.000 -5  23,498 -92  
3/14/22 6/20/22 98    - cash -
  6/20/22   8/08/22 49  RT RS QC  LG HH & HC 100  37   620.000  758.000 482.000  -138.000 -22  18,392 -85  
8/08/22 9/26/22 49    - cash -
  9/26/22  10/31/22 35  RT RS QC  Netmarble Games 100  337   54.500  44.600 66.598  12.098 22  22,468 709  
10/31/22 7/10/23 252    - cash -
  7/10/23   7/24/23 14  RT RS QC  LG HH & HC 100  51   440.000  432.500 447.630  7.630 2  22,858 57  
7/24/23 10/30/23 98    - cash -
  10/30/23  11/06/23 7  RT RS QC  LG HH & HC 100  73   311.000  348.500 273.500  -37.500 -12  20,120 -100  
11/06/23 4/15/24 161    - cash -
  4/15/24   4/22/24 7  RT RS QC  NCsoft 100  118   170.200  170.400 170.000  -0.200 0  20,096 -6  
4/22/24 12/22/24 244    - cash -
accum 6/05/06 4/22/241071 days out of 6929 invested (15%) 101 20,096 27  

Instrument Related Contribution
 instrumentL/Sdate buy date selldaysprc buyprc sellps shortprc diffd %total 
 Daewoo SB&MEshort 10/06/08 12/15/087022.3018.8026.454.15 18.62 
  11/16/09 11/30/091416.1514.3518.182.03 12.54 
  10/13/14 11/03/142116.9518.8015.10-1.85 -10.91 
   6/15/15  8/03/154914.357.0129.3815.03 104.71 
   8/24/15  8/31/1575.756.734.77-0.98 -17.04 
   9/07/15  9/14/1576.537.195.87-0.66 -10.11 
  12/21/15 12/28/1575.205.155.250.05 0.97 
   1/18/16  2/01/16144.814.115.620.82 17.05114.57 
 NCsoft  6/05/06  7/24/064949.8041.2060.2010.40 20.87 
   1/07/08  1/14/08748.3048.2548.350.05 0.10 
   1/21/08  3/17/085648.2043.5053.415.21 10.80 
   9/13/21  9/27/2114591.00583.00599.118.11 1.37 
  10/04/21 10/18/2114595.00596.00594.00-1.00 -0.17 
   3/07/22  3/14/227424.50444.50404.50-20.00 -4.71 
   4/15/24  4/22/247170.20170.40170.00-0.20 -0.1229.14 
 Netmarble Games  9/26/22 10/31/223554.5044.6066.6012.10 22.2022.20 
 Hanmi Science  1/13/20  2/10/202836.8034.8038.912.11 5.75 
   2/24/20  4/27/206330.3027.9032.912.61 8.6014.84 
 Samsung SDS  6/20/16  7/04/1614152.50142.00163.7811.28 7.397.39 
 Hanwha Life  7/29/19  8/12/19142.512.352.690.18 7.047.04 
 Korea Aerospace  9/11/17 10/02/172145.9543.7048.322.37 5.155.15 
 IBK  3/02/09  3/09/0975.605.365.850.25 4.484.48 
 Samsung Elec-Mech  1/27/14  2/03/14767.9065.2070.712.81 4.144.14 
 LG Display  8/08/11 10/03/115620.8520.0521.680.83 3.99 
   7/02/18  7/09/18718.1518.8517.45-0.70 -3.86-0.02 
 instrumentL/Sdate buy date selldaysprc buyprc sellps shortprc diffd %total 
 Kangwon Land  9/22/08  9/29/08714.3514.4514.25-0.10 -0.70-0.70 
 Lotte Chemical  6/23/08  8/18/085680.5070.9091.4010.90 13.54 
   4/15/13  4/29/1314162.50159.50165.563.06 1.88 
   6/24/13  7/15/1321128.00146.50109.50-18.50 -14.45-1.04 
 Amorepacific Group 10/29/18 11/19/182161.9061.4062.400.50 0.81 
  11/26/18 12/03/18762.3065.8058.80-3.50 -5.62-4.85 
 Korea Electric Power  3/07/11  3/21/111427.0526.5527.560.51 1.88 
   2/12/18  2/19/18734.0533.1035.030.98 2.87 
   3/05/18  3/12/18732.5033.1031.90-0.60 -1.85 
   3/26/18  4/02/18730.8533.2528.45-2.40 -7.78-5.13 
 Samsung Heavy  2/08/10  3/01/102123.2024.6521.75-1.45 -6.25-6.25 
 Hyundai Heavy  8/25/08  9/01/087233.33215.30252.8619.53 8.37 
  12/19/11  1/09/1221275.00289.00261.00-14.00 -5.09 
   7/16/18  7/30/181497.10107.5086.70-10.40 -10.71-8.16 
 Celltrion  8/09/21  9/06/2128266.00278.50253.50-12.50 -4.70 
  12/13/21 12/27/2114205.00204.00206.001.00 0.49 
   1/31/22  2/28/2228151.00159.50142.50-8.50 -5.63-9.62 
 SK Holdings  5/14/12  7/09/125692.30103.0081.60-10.70 -11.59-11.59 
 Samsung BioLogics  5/13/19  7/01/1949285.00321.00249.00-36.00 -12.63-12.63 
 LG HH & HC 11/22/21 11/29/2171,170.001,113.001,229.9259.92 5.12 
   6/20/22  8/08/2249620.00758.00482.00-138.00 -22.26 
   7/10/23  7/24/2314440.00432.50447.637.63 1.73 
  10/30/23 11/06/237311.00348.50273.50-37.50 -12.06-26.88 


Annotations
3/08/24Kospi 50Component update:
Doosan Enerbility, EcoPro Materials, HD Hyundai Heavy, HMM, Hybe, Krafton, KakaoBank, KakaoPay, LG
Energy Solution, Posco Future M, Posco International, Samsung Electro-Mechanics and SK
Biopharmaceuticals replace
Amorepacific Group, CJ, Coway, E-Mart, Hancook Tyre, Hanmi Science, Hanwha Life, Hyundai Steel,
Kangwon Land, Korea Aerospace, LG Display, Lotte Shopping and Netmarble Games
10/08/18Naverstock split 1:5 (five for one)
6/06/18Kospi 50Celltrion, Kakao, Netmarble and Samsung Biologics replace KCC, Orion Confectionary, Samsung Card and
Samsung E&M
5/04/18Samsung Electronicsstock split 1:50 (fifty for one)
12/22/16Kospi 50CJ, Hanmi Science and Korea Aerospace replace DSME, Hyunday E&C and Samsung Heavy
3/31/16Kospi 50Samsung C&T replaces Cheil
9/01/15Kospi 50Orion Confectionery replaces Samsung C&T
8/19/15Kospi 50complete analysis
8/03/15Kospi 50KCC replaces SK Holdings
6/12/15Kospi 50Amorepacific Group and Coway replace Doosan Heavy (DHICO) and OCI
5/08/15Amorepacificforward stock split 1:10 (ten for one)
3/13/15Kospi 50Cheil Industries and Samsung SDS replace Daewoo E&C and Samsung Securities
2/18/15Kospi 50Hyundai Merchant Marine, Samsung Engineering and Woori Finance were replaced by Hankock Tire, SK C&C and Woori
Bank.