Ensuring Sound Competition  First, in order to encourage the creation of retail financial services that accurately meet the various needs of households, it is necessary to ensure sound competition among financial institutions.
The volume of annual investment is low by international comparison, and we are therefore not closing the gap in the level of infrastructure compared to other advanced economies, which weighs down productivity and the growth potential of the economy. We need to define needs with a forward-looking view, in close cooperation with the ministries, and to plan years, or, in fact, decades, in advance.