In addition to operating as independent non-banking financial institutions, SOFOLES and SOFOMES have received rising funding from SPYME and NAFINSA to deliver programmes at the local level, which has enabled them to develop also at a period of general crisis. The reverse side is that, in spite of their original objective to encourage SME development, the range of loan size in which these institutions operate suggests that they are rather more active in the consumer credit market and that, as a result, business credit is still concentrated in a few traditional large banks. At present, there are seven large banks in Mexico, six of which are foreign-owned, that accounts for 84% of the total assets in the banking sector.