And thriving banks did more than just rate well with supervisors – the thriving banks outperformed the surviving banks on a wide range of performance indicators, including return on assets, return on equity, loan losses, provision expense, efficiency ratio, asset growth, net interest margin, and net noninterest margin.
However, I suggest that the banking industry, the broader financial sector and local industry need to actively engage and innovate around finding local opportunities for productive domestic deployment of these  resources. This would massively impact domestic economic activity, employment creation and enhanced inclusivity.