The banks have attracted million or so new customers from the middle and lower income groups who have availed of financing in these new areas.
For example, under plausible assumptions about how fiscal policies might evolve in the absence of major legislative changes, the Congressional Budget Office (CBO) projects the deficit to fall from around 9 percent of GDP currently to roughly 5 percent of GDP by 2015,  BIS central bankers’ speeches  3  but then to rise to about 6–1/2 percent of GDP by the end of the decade.