In this process, it should be kept in mind that banking is a service industry and banks should pay close attention to the needs of customers. We are beginning to see some movements toward this direction, and we hope that they will prevail. Before closing, let me briefly touch on the outlook for the financial system.
During the qualification process, a bank's primary federal supervisor will review the bank's risk-measurement and – management framework relative to the qualification requirements in order to determine whether the bank may apply the advanced approaches to calculate minimum regulatory capital.