One example is barriers to high-quality securitisation of bank loans, whose removal may help to promote lending to households and SMEs, and reduce fragmentation. In the spirit of Alexandre, we need to begin addressing these issues in a pragmatic manner, while never losing sight of our goal. Second, we should not forget that fragmentation also comes from the demand side.
Finally, I congratulate all the entrepreneurs here tonight, especially those that have received awards, and encourage them to use their experience to nurture and mentor other aspiring entrepreneurs, so that we can collectively expand the formal business sector in this country - that is vital for employment generation. Thank you for listening. 6