But if situation changes, especially when more choices are available for investment by commercial banks and when they are more willing to lend, central bank bills will not be so well received. Between 2004 and 2005, stateowned commercial bank reform tackled the most difficult problems. Because of strict requirements including CAR, commercial banks became more prudent in lending.
I know that you do all these things not for personal glory or monetary reward. However, your actions should be recognized because they serve to inspire others to do better and to continue the work at hand.