Civil Society is not about short-term profits but all about long-term socio-economic values and benefits.
The same goes for the Civil Banking concept, which stands for empowerment of new socio-economic values production, not only for free-market traditional economy propulsion. Therefore, new methodologies and technologies of socio-economic quantification are needed, not only GDP and exchange rates fluctuation - because in the New Economy, money is just one-out-of-many indicators of development, not the only one!
Both state and market forces proved to be insufficient for real and balanced social and economic development – without fully developed Civil Society as fully-recognized development partner, progress and democracy stand only for romantic lullabies sang by the rich only for the rich.
Since today we only have abstract agreements as final solutions (money and still traditional monetary system, however "virtual" or "e-friendly" it may present itself these days!), Civil Banking is still reduced to financial quantification of its activities. Therefore, efficiency of Youth Banking will be expressed in balance sheets, although broader socio-economic values of YB will be additionally expressed and measured by its "Permanent Monitoring System" analytic WYB PMS Reports.
Debit means value received, and credit means value given. Not enough. The value should disclose the type of good or service, as well as the Receiver and Giver. Such an expanded accounting algorythm is needed as to provide a permanent monitoring system. With it the usual Corporate World becomes unusually transparent. All enterprise interactions become visible to all corporate stakeholders (Center: CEO and Accountant, Left: Managers and Buyer, Right: Suppliers, Worker, Shareholder, Government, Banker, Stockbroker).