27 Based on Credit Conditions Survey and Financial System Analysis  28  Review of the capital adequacy framework for registered banks: how much capital is enough? Ref #8528795  7  In the longer-term, businesses operating with collectively owned assets have lower leverage ratios than their industry counterparts as a result. Lower leverage brings greater resilience to economic shocks and longer-term sustainability.
This means, in the longer-term, Māori businesses with collectively owned assets can have a stabilising effect on the economy as a whole. I know for some of you, any progress to change this situation is too slow. In the meantime, I would encourage you to take advantage of the opportunities that come with greater resilience, and look for partnerships that value long-term outcomes.