Thailand has a dual economic structure, with the modern industrial sector
overlaying with the more traditional sectors outside Bangkok which employed more
than half of our population. Thus, we should concentrate on improving the efficiency
and stability of our domestic financial institutions to best serve our real sector. And our
vision for Thai commercial banking and financial services – if it is to be useful – must
consist of two parts within a single integrated framework: one for our main banking
activities and the other for those in rural areas.