It is logical to expect that strategic alliance would continue to develop, as the operation of financial institutions become more integrated and interrelated to one another. Nonetheless, our expectation is that the bank sector would be able to continue to be the driving force in development of these new products. This strategic function can operate directly and indirectly.
Directly, banks can serve as the originator of such products. And indirectly, banks can act as selling agent, creditor to financial institutions or as owner of non bank financial institutions such as insurance and security companies. Distinguished guests, fellow bankers, ladies and gentlemen  7/12  VI.