When times are back to normal and the buffer has to be built up again, experience is now gained for the build-up phase as well as the release of the buffer, and the financial sector will know that the buffer will be released in a crisis situation.
Thus, contrary to the first build-up where the banks continuously argued against the buffer, they may hopefully see the benefit of having a buffer in place that can be released in a crisis. A buffer of 2.5 per cent equals approximately kr. 35 billion.