(d)  Regulatory environment has improved and the capacity of regulators to oversee and monitor is much better today but the enforcement and prompt corrective action capabilities need to be further enhanced. (e)  Financial soundness indicators of the system show an upward moving trend in almost all dimensions but there are weaknesses and vulnerabilities that require to be fixed.
(f)  Corporate governance rules have been clarified and conform to best international practices but their consistent application and voluntary adoption by the industry remain uneven. (g)  Financial sector is opening up to the middle and lower income groups but the commitment and mindset of the providers are still out of sync with the new realities.