The consumers and SMEs will probably take up about 75% of the total business. We will reduce [the size of] large corporate [loans] down to 20% to 25%, depending on how rapidly other portfolios grow.Q: How do you plan to build up your retail business?A: We will see [to it] that mortgage products [become] the cornerstone of our consumer-banking business. That's because if we take a commercial banker and say "O.K., you're going into consumer product," it's very difficult to make that transition since our loan officers are used to looking at larger-size transactions with security and lower interest rates. So the mortgage product has sort of those characteristics. It's a larger-size transaction, it has security, and basically it's a lower-rate product. Now we have more information about the customer, and that allows us to have more confidence in selling other products such as car financing and credit cards. We have the ability to do what I call increasing the "wallet share of a customer."Q: From Korea's point of view, one of the main objectives of inviting foreign investors to run a local bank was to advance the level of the local banking industry. In what ways do you think your management team is changing Korea's banking system?A: Firstly, I have stated that banks need to be profitable in order to pay for credit expenses, to establish adequate loss reserves, and absorb net losses. Strong financial discipline toward control of expenses and informed pricing decisions are now the norm -- it wasn't [this way] in the past. We've installed a rigorous risk-management process throughout the bank, especially in credit underwriting.Q: What's your view on the recent government move trying to force banks to buy bonds to roll over debts issued by risky companies?A: The government often tries to get involved to insure liquidity to "Corporate Korea." Consequently banks are asked to participate in these initiatives. I believe banks need to exercise independent credit decisions in analyzing credit risks before participating in these transactions.Q: Do you have any plan to list Korea First Bank in the future?A: This is a significant joint venture between a private company and the government. Hopefully, we'll be able to set a very solid track record of performance improvement so that everybody will want an equity stake in this bank. We hope that when we do the IPO, values will be way up there! In order to do a successful public offering, we need to have continuous, consistent performance improvement -- no surprises. And that's what we'll do. Maybe 2003 or 2004 will be when we'll have that opportunity. You need to have at least three years of a real solid track record before people will say: "Yes, there's no puff in this performance."