The simple answer to that is, the taxpayer. There is no free lunch. The dynamics of this issue resides in the fact that whenever the public service receives an increase in salaries, the cost of the service increases. A corresponding factor, of course, is the cost effective delivery of this service in order to support the competitiveness of the economy.
That is, our regulations allow foreign banks to have the same range of product authority as domestic banks. Therefore, any change in policy that affects domestic banks will also potentially affect the range of products foreign banks may offer.