Three years of underperformance when topped by a decline of more than 10 percent decline in stock price which erodes 1 lakh crore in market capitalization is surely going to create sentiment that all is bad with a bank and given it has been the biggest of wealth creators is bound to have rub off on other players in the sectors which may not be bank but because they are part of the financial service sector they tend to get clubbed together. But the fact is that just because one bank is facing headwinds does not mean the whole financial sector is facing the same. So be selective as analysts are bullish on many companies in the financial services space.