The banking and insurance sector is a crucial part of the financial services industry. It provides various financial products and services to individuals, businesses, and other organisations.

Banks are financial institutions that accept deposits from customers and use those funds to make loans and investments. They also offer a range of services such as checking and savings accounts, credit cards, and mortgages.

Insurance companies provide coverage and protection against financial losses in exchange for a premium payment. They offer various types of insurance, including life, health, auto, and property insurance.

The sector is highly regulated and plays a critical role in the overall functioning of the economy.

The pharmaceutical sector is a complex and highly regulated industry. Indeed, it is responsible for the discovery, development, and commercialisation of drugs for the treatment of diseases and illnesses.

It includes a wide range of companies, from large multinational corporations to smaller, specialised firms. Those activities involve significant investments in research and development, clinical trials, and marketing.

The sector is constantly evolving as new therapies are developed. Advances in technology and science change the way drugs are discovered and manufactured.

The retail sector refers to the industry involved in the sale of goods and services to consumers for personal use. It includes a diverse range of businesses, from small independent shops to large multinational chains.

This environment is highly competitive and constantly evolving as consumer preferences and technology change. Retailers typically purchase products from manufacturers or wholesalers and then sell them at a markup to consumers.

The sector is also closely tied to the broader economy. Indeed, it is affected by factors such as consumer spending, employment rates, and inflation.