The second generation of reforms should be built on the strengths of the financial system, work on removing the weaknesses and gaps and agree upon the speed, contents and phasing of these reforms. In my humble view, there are at least ten areas in which these reforms will produce promising results.
(a)  Broadening access to middle and lower income groups:  The banks have learnt that by broadening their client base, adding new products to their portfolio and offering new types of services, they can not only diversify their risks but also earn higher returns.