This concept refers to a nuanced assessment of the value generated by financial intermediation services, which are typically not captured through standard fee structures employed by financial institutions. Instead of explicitly charging clients for certain services, banks provide essential financial intermediation—facilitating transactions, managing accounts, and offering credit—which contributes significantly to economic activity. The recognized methodology allows for the allocation of this value to both intermediate and final consumption, thereby ensuring a more accurate reflection of economic output. However, in practice, many regions overlook this intricacy, opting instead for a broad negative adjustment to gross value added, potentially underestimating the essential role that these services play in overall economic productivity and efficiency. Source: