Finance went from being a small business, effectively, to being a big business. In part, that's the growth of the world's wealth. That's called savings.
Our commercial bank [JPMorgan] is only in the U.S. We are serving what you call SMEs - small businesses, private companies.
If you talk to anyone involved in business - forget banks and big business - talk to small businesses - do it yourself, don't ask me - they'll tell you it's crippling. Small-business formation is the lowest it has ever been in a recovery, and it's really for two reasons. One is regulations and the second is access to capital for people starting new businesses.
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