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Dear William, Thanks for you thoughtful comments. We agree that the volume of lending does not necessarily translate into quality. Our survey does not include questions on Non-Performing Loans (NPLs), as banks are usually reluctant to provide this information. However, our survey results suggest that State banks have weaker credit and risk management systems, which lend support to your point. We would like to clarify, however, that Algeria was one of the few MENA countries that was not included in the sample.