For example, we have a wholesale organization such as PPAF which is successfully disbursing a $ 100 million line of credit provided by the World Bank. We have Khushali  BIS Review 12/2003  1  Bank which is a retail bank and has already reached out to 100,000 customers and is targeted at 700,000 by 2007.
I would like to posit four theories. Theory one: the banking sector will continue to “shrink to health”, in Germany and in Europe alike. Theory two: on the heels of this consolidation, mergers and acquisitions will lead to a concentration of the market on a reduced number of institutions.