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The next stage of development for Provincial Banks will require them to achieve scale. Currently many are stuck in a 'low equilibrium' state, unable to meet market opportunities due to lack of skills, lack of scale and investment capital

Improved capabilities, product development and new systems that come with scale will allow banks to enter an 'accelerating growth cycle'
Many Provincial Banks are stuck in a vicious cycle of lack of scale, poor capabilities and low profits Larger institutions can break out to a virtuous cycle, to take an increasing share of the market
Scale is particularly needed in the Philippines

Bridge: Manila and Singapore