As I said, most European countries, if you want to start there, have successful postal banking institutions. Some are fairly recent and others have been around for a longer time. Some do not have them, but the majority do.
Of course, we have major countries, such as Japan and China, that have big postal banking institutions. One of Japan's largest banks is the postal bank. Certainly, those companies have been developed using postal staff, retraining them, and adding new people where necessary. I think it is something for which the track record in general is very good.
As I mentioned, some of the banks, like the Japan Post Bank, the French postal bank, and the Chinese one, are among the largest banks in the world.