2/3  BIS - Central bankers' speeches  Ladies and Gentlemen, Allow me to mark this anniversary – as we celebrate 30 years of our work – by expressing my particular thanks to all of our current and past colleagues.
Although these challenges are of a very different order to those in many other parts of the world. That's because in the Netherlands, a lot is already very well arranged. For example, we have a stable system of payments, and everyone has access to financial products and services, such as bank accounts, insurance and pensions. Over 99% of Dutch citizens have a bank account.