JP Morgans figures of '07 & '08 are - EPS '07 = .223EPS '08=...

JP Morgans figures of '07 & '08 are -
EPS '07 = .223
EPS '08= .24
Interesting thing about them is that they estimate earning growth to be there.
I would have thought it would have been in decline
But they think it will be 9.6%

So what would you rather do, put your money in the bank or put it into TIM

.223 x .06 (bank interest) = $3.72

You would have to $3.72 in a bank account to earn .223 interest.

TIM is trading at 1.94 at the moment or 48% below the bank account figure
In addition unlike a bank account you will get growth - approximately 9.6% growth
Dividend .08 (100% franked)
Morgan's target price is $2.17
capital gain = .21
TOTAL = .29
OR a return of about 15%

so if you had a your money in the bank you would make 6% or would you prefer to have you money in this share and make 15%?