The increase in foreign ownership of banks in emerging markets is one facet of the ongoing consolidation of banking systems in both mature and emerging markets. The franchise value of banking license reflects the discounted value of the net profits. That bank would be expected to earn over time. For instance, telephone and electronic banking, have been widely used by foreign banks to gain market penetration in European markets and more recently in emerging markets, especially in Asia.
Have you ever replayed your life at night, wondering how things might have turned out differently? The Midnight Library by Matt Haig asks you to sit with that question. Through Nora Seed’s quiet despair and imagined alternatives, the novel explores regret, possibility, depression, and the fragile hope that living at all might be enough. Have you ever wondered if one different choice could have changed everything? You probably have. Most people do. Usually at night. Usually when the world goes quiet and your mind decides to reopen old files you never asked it to keep. The job you did not take. The person you loved too late or too briefly. The version of yourself that felt possible once. You tell yourself that if you had chosen differently, life would feel fuller, cleaner, less heavy. The Midnight Library begins exactly there, in that familiar ache. Not with drama, but with exhaustion. Not with chaos, but with a woman who feels she has quietly failed at everything that mattered. Mat...
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