The Polish banking sector is the largest in the region, with 32.3 branches per 100,000 adults. The banks are the largest and most developed sector of the country's financial markets. They are regulated by the Polish Financial Supervision Authority. Poland's banking sector has approximately 5 national banks, a network of nearly 600 cooperative banks and 18 branches of foreign-owned banks. In addition, foreign investors have controlling stakes in nearly 40 commercial banks, which make up 68% of the banking capital.