What are your thoughts on the calls for the establishment of a state owned bank in South Africa? Critics of the idea of a state owned bank have criticized the thought of it by citing the poor track record in the management of State Owned Enterprises (SOEs). This morning we will look at the role and purpose of a state bank, who stands to benefit from it and whether South Africa needs a stated-owned bank?

GUEST: Dr Johan Coetzee, who is a Senior Lecturer in Banking and Finance, at the Department of Economics and Finance, at the University of the Free State