On the other hand, our regulation of banks is very, very straightforward. We make sure that banks that carry more risks will have [set aside] more capital. That policy has been very rewarding because, as the crisis came, our banks remained healthy and up during the pandemic. The banks' lending recovered very strongly.
Banks, now, have growing balance sheets, which, at the moment, do not show any form of weakness. Of course, it also helped that some of the current bankers still remember the 1997 [Asian Financial] crisis. The banks themselves are very well-governed, except for some that are already closed, which are mostly smaller ones that are not adequately capitalized.