Among them we have some commercial firms establishing banks. Allowing commercial firms, especially in the retail sector, to own banks might bring many benefits to consumers, as well as a set of new challenges for regulators and supervisors. I would like to concentrate on this issue in the last part of my speech. III.
Commercial firms as owners of banks  In a country where the financial industry is highly concentrated and where important sectors of the population do not have access to these services, the entry of commercial firms into the banking sector can bring many benefits to consumers.