By Plenary Sessions: Ester Karuse

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The speaker is critical of the banks' profit-centric approach, arguing that the provision of an essential service must transcend mere commercial objectives. They support a guiding role for the state to ensure the availability of this service, regardless of the banks' status as private enterprises.

The speaker recognizes the business logic employed by banks as private enterprises, but simultaneously stresses the state's crucial role in intervention and direction. They argue that banking is a "socially essential service," and the state must guarantee the accessibility of vital services, even in smaller regions, by prioritizing service availability over pure market logic.