Part 4/13:
Amidst these changes, the realities on the ground paint a different picture. Commentators noted that many domestic banks are nearing a breaking point, with a spurt in bank deposits not translating into active financial intermediation—loans are not being effectively issued. Depositors have increased their reliance on these institutions without reciprocating in spending or investment. A growing sentiment suggests that while bank coffers may appear healthy, the money is fundamentally "circulating" without substantial economic impact.