I have to interrupt you. Let me explain the nature of my concern.
Over the past 25 or 30 years, banks have acted increasingly in their own short-term interest. They have been lending less and less to SMEs and more and more to consumers, and an increasing share of their profits comes from user fees. The banker is no longer the respected village person who used to make investments with savers' money. He is someone who charges us $4 in fees at the ATM.
From the public's perspective, are we right to have some concerns about the fact that these people were asked in 2022 to design a strategy to achieve a net-zero emissions economy? Perhaps members of the public are right to be concerned and to ask the Department of Finance, which is led by an elected official, to be more involved.
Is this a valid concern?