Other institutions are de-emphasizing high-profile but risky capital markets businesses that benefited employees more than shareholders and society. As the reform process progresses, we can expect further adjustments that should ultimately lead to a more resilient, diversified sector with a more sustainable risk-return profile.
*  *  Introduction  [1] Distinguished Ladies and Gentlemen, I would like to thank Databank for inviting me to this Forum which has brought together institutional investors to apprise themselves of policy initiatives and assess investment opportunities in the country. [2] I understand that Databank is celebrating twenty years of entrepreneurship this year.