It is therefore necessary that we change this negative trend and realize a higher pace of growth. Today I would like to discuss with you some challenges that may pose a downside risk to our growth prospects. Furthermore, I will provide some policy recommendations to achieve a higher and more inclusive growth path. Let me emphasize in this context that inclusiveness is crucial.
As you know, when you look at the balance sheet of a bank, a big part of the money being lent out is depositors' money and less than 20.0 percent is equity. Now, what is the problem? Well, it looks stable. But just because it is stable, it does not mean it remains that way.