1. Banks in this country has very few options to source fund for doing business. Also, as a developing nation, bank's corporate client base is limited. Too many banks compete for few high net worth clients in the industry. It is frustrating for the local banks when these big corporate houses borrow money from international loan market to reduce cost of borrowing. In a country with comparatively high inflation and interest rate, what bank can do to increase the diversity of their source of funds and also clients to provide loan. Your suggestions must be in harmony with our culture, infrastructure and law.