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      "text": "Declining profitability of banks (RoE from 15% in 2011 to 12% in 2016), especially for smaller banks that do not have a diversified value proposition; low RoE for small banks signals potential for consolidation.",
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      "text": "1 Includes Singapore, UAE, Greece, South Korea & Jordan | 2 Egypt, Jordan, Morocco, UAE | 3 UK, France, Italy, Netherlands, Spain, South Korea, Brazil, Hungary, KSA & Turkey | 4 Insurance control commission",
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