Banks: According to Czech Press Agency (CTK), the Ministry of Finance (MF) signed a statement with Czech Bank Association (CBA) about changes in the banking sector yesterday (7 December). Most of the changes concern the simplification of fee structures to improve clients standing (e.g., advance info about fee changes, the cancellation of some charges, and the creation of an ombudsman’s office). Experts of both the CBA and the banks will cooperate on an agreement. The implementation schedule and the agreement should be known by the end of January 2006.